Contributing to the development of our employees and of society in general, to profitable economic growth and to a healthy environment are all part of our vision on sustainability. We strive to combine business opportunities and our financial obligations with due care and attention for all our stakeholders: our shareholders, the government, community, employees, customers, suppliers and organisations.

Five pillars

Customer interest
Sound financial health is the most important condition for being able to offer future generations stability and security. But to sustain long-term success we must also listen to our customers and offer products and services that meet their needs, hopes and expectations.
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Acting with integrity and being a respectable business partner are essential for Delta Lloyd.
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Community involvement
Delta Lloyd makes an effort to improve the lives of underprivileged people. The Delta Lloyd Foundation helps people who have trouble organizing their finances by promoting financial self-reliance and awareness.
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Good employer
We are convinced that investing in the training, development and well-being of our people is crucial for a sustainable future.
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A healthy environment is very important to Delta Lloyd. That’s why we make sure our business activities do not negatively impact the environment.
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Sustainable Impact programme

Delta Lloyd launched its Sustainable Impact programme in 2014. The programme sharpens our sustainability policy with regards to our branding, organisation and investing, and finds ways to bring various sustainability initiatives together into a coherent whole. We expanded our investment policy with a specific policy for countries and are honing our theme and sector policies. What follows is our approach to 11 topics that relate to responsible investing. The 11 themes most commonly associated with responsible investment and Delta Lloyd’s approach to each

Human rights

Delta Lloyd respects all forms of humans rights and we expect any businesses that we invest in to do so too. Before we invest in a company or bring a new investment into our portfolio, we investigate whether that company is breaching – or has ever breached – human rights. If so, we exclude them.
Delta Lloyd complies with national and international laws within our sphere of influence. We do not want to be involved in any human rights abuses and screen all countries and companies before we invest in them. We exclude countries that abuse human rights (for example those with a United Nations weapons embargo against them and countries facing European Union sanctions). If we see room to improve in a company we have already invested in, we will enter into talks with that company. Our approach to human rights extends to other parts of our business, for example when accepting new clients.

Example of customer acceptance
Before we accept a new client we carry out a risk assessment that weighs both the technical insurance risks and the available sustainability information. In 2013, a company on our exclusion list approached us for a pensions quote. We assessed the reasons why the company was excluded and the extent to which its Dutch operations could be held accountable. This information formed the basis of our discussions with the company. In this instance, the company refused to take responsibility for the issues that led to its exclusion, so we did not accept them as a Delta Lloyd client.

Delta Lloyd endorses the following human rights principles:

Principle 1: Businesses should support and respect the protection of internationally proclaimed human rights within their sphere of influence.
Principle 2: Companies must ensure they are not complicit in human rights abuses. Find more information about the United Nations Global Compact principles at


As part of our responsible investment policy, we do not invest in controversial weapons like cluster ammunition, chemical or biological weapons, white phosphorus, depleted uranium and nuclear weapons, or in companies involved in their production, development, maintenance or testing.

The complete controversial weapons exclusion list [LINK] is updated every quarter.

Delta Lloyd assesses companies for their involvement in controversial business practices based on international standard and treaties, supported by input from the independent research agency Sustainalytics. Our weapons policy goes further than excluding controversial weapons. In our countries policy we stipulate that we do not invest in countries on which there is a United Nations arms embargo imposed. As a result we exclude conventional arms trade with these countries as well.

Labour rights and conditions

Delta Lloyd stresses the importance of opportunities for both women and men for decent and productive work under free, equal, safe and dignified circumstances. We underline the right to work and to good working conditions and exclude companies that seriously violate these rights.
Other fundamental labour rights we respect are related to the prevention of slavery or forced labour and child labour.

  • Delta Lloyd complies with national and international law within our influence.
  • We avoid getting involved in any violations of labour rights. Before making any investments we screen companies and countries for labour rights and conditions. We also screen companies we already invest in and when we identify opportunities for improvement we won’t hesitate to enter into talks with those companies.
  • We assess all potential holdings against a wide range of criteria. We also take local risks into account.

For example, during a behind-the-scenes tour of an Asian factory, we spotted a group of very young workers and immediately decided not to take a holding in that company.

Delta Lloyd endorses the following principles regarding labour rights and the right to work:
Principle 1:Businesses should uphold the freedom of association and the effective recognition of the right to collective bargaining;
Principle 2: The elimination of all forms of forced or compulsory labour;
Principle 3: The effective abolition of child labour;
Principle 4: The elimination of discrimination in respect of employment and occupation. Find more information about the United Nations Global Compact principles at

Animal Welfare

We are developing and positioning a policy on animal welfare. 


Corruption is based on the misuse of power and has a disproportionally large impact on the poor and the disadvantaged. In business, corruption additionally jeopardizes the reputation and financial position of companies. Delta Lloyd therefore strictly monitors the companies we invest in, to make sure they are not guilty of corruption, extortion or bribery.

Remuneration policy

Delta Lloyd is member of Eumedion, the Dutch shareholders’ organisation promoting good governance and the sustainability performance of listed companies. Through both Eumedion and our own internal discussions we ask questions about controlled remuneration and bonus policies.

In 2013, the General Meeting of Shareholders agreed to adjust Delta Lloyd’s remuneration policy. The total variable portion of remuneration was set at 50% of the fixed remuneration and will be paid entirely in shares to safeguard the interests of our shareholders. The General Meeting also agreed to cap variable remuneration at 20% in the event the Dutch government passes legislation to make such a cap mandatory for financial sector employees.

Transparency and taxes

As a financial services provider, transparency and taxes are two themes we are very familiar with. They are topics we discuss with partners such as the Dutch association of insurance companies (Verbond van Verzekeraars) and regulatory bodies such as the Dutch central bank (DNB) and financial markets authority (AFM). We use our in-house expertise to screen the companies we invest in.

We pay taxes in the countries in which we operate and on the date the activities are performed. Our tax policy (tax follows the business) is included in our business principals and values and is in accordance with the applicable laws, rules and regulations.

Our continued focus on corporate social responsibility is recognized externally. Delta Lloyd was included in the RobecoSAM 2013 Yearbook, which lists the world’s most sustainable companies in each industry. We also ranked number two out of 141 insurers worldwide in the 2013 Sustainalytics report on Environmental, Social and Governance (ESG) performance.
In 2014, 500 employees volunteered for Delta Lloyd Foundation projects. Eumedion described the 2011 Supervisory Board report as ‘Best practice Supervisory Board report’.

Climate and Environment

Delta Lloyd is aware of the effects of climate change and the impact our business activities can have on the environment. The challenge we face is to manage and reduce this impact in a responsible way. We exclude companies that repeatedly or seriously violate the environmental principles of the UN Global Compact. We uphold these principles, which are:

  • Businesses should support a precautionary approach to environmental challenges;
  • Undertake initiatives to promote greater environmental responsibility; and
  • Encourage the development and diffusion of environmentally-friendly technologies.

Delta Lloyd is committed to reducing its own carbon footprint. To this end, our main priorities are to save energy at our premises, use less paper and limit the environmental impact of our vehicles. In 2013, we refurbished our ‘Toorop’ building in Amsterdam to prepare us for the future and facilitate our new way of flexible working. We sought to limit the building’s environmental impact by choosing 100% recyclable carpets and furniture using the cradle-to-cradle concept. The new auditorium has a ‘green’ sedum roof, the billboards are lit by solar power and the facilities use district heating to save energy. We are a signatory to the long-term energy efficiency agreement for banks and insurance companies. We encourage our employees to use public transport, carpools and bicycles.

Delta Lloyd is one of three European insurers of offshore wind farms and we aim to grow in this field. We insure 25 offshore wind energy farms with 1650 turbines. These include the Prinses Amalia wind farm and Luchterduinen in the Dutch North, and wind farms in England, Germany, Belgium, Denmark, Ireland and Portugal. In two years, our portfolio has expanded from 1000 megawatt to 6000 megawatt -- enough to meet the energy needs of about six million households. We are also the main Dutch insurer of onshore wind farms, with a portfolio of 1750 land turbines generating 1250 megawatt.

We use this expertise to support other sustainable energy markets and projects, such as geothermal projects in the Netherlands, where we are involved in a pilot project for blue energy. We also insure solar energy farms against break down and loss of production and are keeping a close eye on new technology developments such as floating wind turbines. We have our own engineers who help out with the claims assessments and we share our knowledge with wind turbine producers to use in their own product development. To harness our knowledge and put it to optimum use, we have put together a special Offshore Wind Energy team, which shares its specialist knowledge with the market through public presentations. Delta Lloyd is a signatory of the Green Deal on wind energy, which aims is to lower the cost of offshore wind energy by at least 40%. We are also the only insurer in the Netherlands that is a member of NWEA. This organization stimulates the development of wind energy.

Health and safety

Good health is directly linked to people’s living and working conditions and is an essential part of human rights. The UN Global Compact principles pay considerable attention to health since they address human rights, labour conditions and environmental issues. Delta Lloyd doesn’t invest in companies that violate these principles. Moreover, we have signed the investor statement of the Access to Medicine Index, which commits us to efforts to improve access to medicine in developing countries. Fonds NutsOhra, a Delta Lloyd shareholder, finances healthcare projects.

Reducing poverty

Since 2008, the Delta Lloyd Foundation has worked to improve the lives of less fortunate people through projects to encourage financial autonomy. These projects are divided into four themes: financial education, financial autonomy for women, debt prevention and poverty control and reduction. The Foundation is also committed to fostering cultural and community projects in other fields. It aims to reach its goals through education, training, donations, sponsoring and entering into sustainable collaboration with social organizations.  In 2014, 500 Delta Lloyd employees volunteered at one or more of the Foundation’s projects. 


Later this year, Delta Lloyd will add depth to our investment policy and positioning and publish our views per sector.

Guidelines and labels

Our sustainability policy is based on five globally-recognised priorities. In deciding these priorities, we looked at laws, rules and guidelines and considered what other companies are doing. And of course we listened to what our clients and investors asked.

Guidelines and labels

Sustainable Dialogues

Delta Lloyd has been organising a series of dialogues on sustainability since 2013. We want to use them to gain insight into the latest developments and trends, while at the same time encouraging feedback on Delta Lloyd’s vision and policy in relation to sustainability themes. We are also using them to build up a network of relevant experts and stakeholders. The discussions cover subjects that are relevant to us as insurers and which we can influence: poverty and debt, water and wind power, impact and investments.



Delta Lloyd uses the guidelines for the Global Reporting Initiative (GRI) to report on our sustainability efforts and activities. We attach great importance to measuring our economic, environmental and social performance against these guidelines and reporting on it. The aim of GRI is to encourage even more companies worldwide to report transparently. Our annual report gives an integrated picture of our financial and non-financial results. GRI rated it with an A+.


The Environmental, Social and Governance Committee meets every other month to discuss sustainability topics and issues. It can be reached via:

Delta Lloyd Foundation

Marie-Louise Voors
 +31 (0)20-5942544
+31 (0)6-20499209

Responsible Investment

Hiske Boerma
+31 (0)20-5942457
+31 (0)6-10203298


David Hoppe
 +31 (0)20-5942177
+31 (0)6-83630019