John,

It's ironic -- and infuriating -- that the very companies meant to insure our homes and livelihoods against disaster are contributing to the devastating impacts of the climate-related floods, hurricanes and wildfires they end up paying claims for.

Fighting climate change takes all of us. And insurance companies have a major role to play.

The American Property Casualty Insurance Association (APCIA) -- the industry's leading trade group -- could help shift the tide. By urging its members to stop insuring fossil fuel projects and investing policyholder premiums in fossil fuels, it could redirect resources away from infrastructure that pollutes our air and harms the climate.1,2,3

Add your name today. Tell the insurance industry to change its harmful practices and move toward a fossil-free insurance sector.

Global warming is making severe weather events more frequent and more destructive -- leading to greater risks of death, injury, property damage and diminished property values.4

But the damage doesn't stop there: Insurance companies hike premiums to pass on the higher costs of claims to their customers, tightening household budgets and freezing more people out of the market entirely.5

Increases in insured losses also increase the risk to investors whose portfolios include stocks in insurance companies.6

Send a message to the insurance industry: Stop putting us at risk.

Many insurers are putting the financial well-being of homeowners, retirees, investors and small businesses at risk.

The good news is that the insurance industry has a chance right now to be part of the solution when it comes to preserving a healthy planet and eliminating financial hazards for consumers.

Will you join us and sign the petition? Together, we can push the insurance industry to act. If the APCIA leads, it could set off a domino effect across the industry -- and your voice can help make that happen.

Thank you,

The team at U.S. PIRG Education Fund

1. "Trade Association Dues Attributable to Lobbying," Travelers, last accessed May 13, 2025.
2. "Political Engagement," The Hartford, last accessed May 13, 2025.
3. "Within Our Power: Cut Emissions Today To Insure Tomorrow," Insure Our Future, December 2024.
4. Christopher Flavelle, "Insurers Are Deserting Homeowners as Climate Shocks Worsen," The New York Times, December 18, 2024.
5. Christopher Flavelle, "Insurers Are Deserting Homeowners as Climate Shocks Worsen," The New York Times, December 18, 2024.
6. Mike Litt, "Fact sheet: How Chubb, The Hartford, and Travelers put consumers at financial risk," PIRG, January 6, 2023.

U.S. PIRG Education Fund
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