{"id":15959,"date":"2016-07-14T14:15:37","date_gmt":"2016-07-14T14:15:37","guid":{"rendered":"https:\/\/arc.coop\/?page_id=15959"},"modified":"2021-07-28T08:26:51","modified_gmt":"2021-07-28T08:26:51","slug":"ethical-insurance","status":"publish","type":"page","link":"https:\/\/arc.coop\/en\/ethical-insurance\/","title":{"rendered":"Ethical insurance"},"content":{"rendered":"<div class=\"fusion-bg-parallax\" data-bg-align=\"left bottom\" data-direction=\"down\" data-mute=\"yes\" data-opacity=\"100\" data-velocity=\"-0.3\" data-mobile-enabled=\"false\" data-break-parents=\"0\" data-bg-image=\"https:\/\/arc.coop\/wp-content\/uploads\/2021\/07\/senyal_web-1-scaled.jpg\" data-bg-repeat=\"false\"><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-1  fusion-parallax-down nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:100px;padding-top:100px;padding-left:0px;padding-right:0px;\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-1 {\n                            padding-left: 0px !important;\n                            padding-right: 0px !important;\n                        }<\/style><div class=\"fusion-row\"><h1 class=\"title1 header1\" style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong>Ethical insurance<\/strong><\/span><\/h1>\n<\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-2  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:10px;padding-top:40px;padding-left:0px;padding-right:0px;background-color:#f2f2f2;\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-2 {\n                            padding-left: 0px !important;\n                            padding-right: 0px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-content-boxes content-boxes columns fusion-columns-4 fusion-columns-total-4 fusion-content-boxes-1 content-boxes-icon-with-title row content-left panel_asseg\" data-animationOffset=\"100%\" style=\"margin-top:0px;margin-bottom:20px;\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-content-boxes-1 .heading h2{color:#a0ce4e;}\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover .heading h2,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover .heading .heading-link h2,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover .heading h2,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover .heading .heading-link h2,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::after,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::before,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .fusion-read-more:hover:after,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .fusion-read-more:hover:before,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .fusion-read-more:hover,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::after,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::before,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover .icon .circle-no,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover .icon .circle-no {\n\t\t\t\tcolor: #a0ce4e !important;\n\t\t\t}\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box:hover .heading-link .icon i.circle-yes,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon i.circle-yes,\n\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover .heading .icon i.circle-yes {\n\t\t\t\tbackground-color: #a0ce4e !important;\n\t\t\t\tborder-color: #a0ce4e !important;\n\t\t\t}<\/style><div class=\"fusion-column content-box-column content-box-column-1 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-wrapper link-area-link-icon link-type-text icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\"><div class=\"heading icon-left\"><a class=\"heading-link\" href=\"#asseg_etica\" target=\"_self\"><h2 class=\"content-box-heading\" style=\"font-size: 23px;line-height:28px;\">What is ethical insurance?<\/h2><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#747474;\"><\/div><\/div><\/div><div class=\"fusion-column content-box-column content-box-column-2 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover\"><div class=\"col content-wrapper link-area-link-icon link-type-text icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\"><div class=\"heading icon-left\"><a class=\"heading-link\" href=\"#EthSI\" target=\"_self\"><h2 class=\"content-box-heading\" style=\"font-size: 23px;line-height:28px;\">EthSI<br \/>\nMark<\/h2><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#747474;\"><\/div><\/div><\/div><div class=\"fusion-column content-box-column content-box-column-3 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover\"><div class=\"col content-wrapper link-area-link-icon link-type-text icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\"><div class=\"heading icon-left\"><a class=\"heading-link\" href=\"#finances_etiques\" target=\"_self\"><h2 class=\"content-box-heading\" style=\"font-size: 23px;line-height:28px;\">Ethical, solidarity-focused finance<\/h2><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#747474;\"><\/div><\/div><\/div><div class=\"fusion-column content-box-column content-box-column-4 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-wrapper link-area-link-icon link-type-text icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\"><div class=\"heading icon-left\"><a class=\"heading-link\" href=\"#preguntas\" target=\"_self\"><h2 class=\"content-box-heading\" style=\"font-size: 23px;line-height:28px;\">Four key<br \/>\nquestions<\/h2><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#747474;\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-3  fusion-parallax-none nonhundred-percent-fullwidth fusion-equal-height-columns background_special\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:30px;padding-left:0px;padding-right:0px;background-color:#f2f2f2;\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-3 {\n                            padding-left: 0px !important;\n                            padding-right: 0px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-content-boxes content-boxes columns fusion-columns-4 fusion-columns-total-4 fusion-content-boxes-2 content-boxes-icon-with-title row content-left panel_asseg_fixed\" data-animationOffset=\"100%\" style=\"margin-top:0px;margin-bottom:60px;\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-content-boxes-2 .heading h2{color:#a0ce4e;}\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-link-icon-hover .heading h2,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-link-icon-hover .heading .heading-link h2,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-box-hover .heading h2,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-box-hover .heading .heading-link h2,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::after,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::before,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .fusion-read-more:hover:after,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .fusion-read-more:hover:before,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .fusion-read-more:hover,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::after,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::before,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-link-icon-hover .icon .circle-no,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-box-hover .icon .circle-no {\n\t\t\t\tcolor: #a0ce4e !important;\n\t\t\t}\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-box:hover .heading-link .icon i.circle-yes,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon i.circle-yes,\n\t\t\t.fusion-content-boxes-2 .fusion-content-box-hover .link-area-box-hover .heading .icon i.circle-yes {\n\t\t\t\tbackground-color: #a0ce4e !important;\n\t\t\t\tborder-color: #a0ce4e !important;\n\t\t\t}<\/style><div class=\"fusion-column content-box-column content-box-column-1 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-wrapper link-area-link-icon link-type-text icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\"><div class=\"heading icon-left\"><a class=\"heading-link\" href=\"#asseg_etica\" target=\"_self\"><h2 class=\"content-box-heading\" style=\"font-size: 17px;line-height:22px;\">What is ethical insurance?<\/h2><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#747474;\"><\/div><\/div><\/div><div class=\"fusion-column content-box-column content-box-column-2 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover\"><div class=\"col content-wrapper link-area-link-icon link-type-text icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\"><div class=\"heading icon-left\"><a class=\"heading-link\" href=\"#EthSI\" target=\"_self\"><h2 class=\"content-box-heading\" style=\"font-size: 17px;line-height:22px;\">EthSI Mark<\/h2><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#747474;\"><\/div><\/div><\/div><div class=\"fusion-column content-box-column content-box-column-3 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover\"><div class=\"col content-wrapper link-area-link-icon link-type-text icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\"><div class=\"heading icon-left\"><a class=\"heading-link\" href=\"#finances_etiques\" target=\"_self\"><h2 class=\"content-box-heading\" style=\"font-size: 17px;line-height:22px;\">Ethical, solidarity-focused finance<\/h2><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#747474;\"><\/div><\/div><\/div><div class=\"fusion-column content-box-column content-box-column-4 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-wrapper link-area-link-icon link-type-text icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\"><div class=\"heading icon-left\"><a class=\"heading-link\" href=\"#preguntas\" target=\"_self\"><h2 class=\"content-box-heading\" style=\"font-size: 17px;line-height:22px;\">Four key questions<\/h2><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#747474;\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><div id=\"asseg_etica\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-4  fusion-parallax-none nonhundred-percent-fullwidth faded-background\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:0px;padding-top:0px;padding-left:0px;padding-right:0px;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-4 {\n                            padding-left: 0px !important;\n                            padding-right: 0px !important;\n                        }<\/style><div class=\"fullwidth-faded\" style=\"background-color:rgba(255,255,255,0);\"><\/div><div class=\"fusion-row\"><div class=\"fusion-one-half fusion-layout-column fusion-spacing-yes\" style=\"margin-top:35px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><h3>What is ethical insurance?<\/h3>\n<p>For Ar\u00e7 Cooperativa, insurance management implemented according to ethical and community-based criteria not only leads to vital social benefits, but also introduces appropriate practices of mutual aid and ethical banking into the insurance market.<\/p>\n<p><strong>Mutualism<\/strong>: identifying insurance as a tool for the community; <strong>equity<\/strong>: guaranteeing universal access to this type of financing; and <strong>transparency<\/strong>: proposing a relationship between equals- are the three foundations of ethical insurance.<\/p>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-one-half fusion-layout-column fusion-column-last fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:0px;\"><div class=\"fusion-column-wrapper\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"> <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/arc.coop\/wp-content\/uploads\/2020\/03\/cabana.jpg\" alt=\"\" width=\"1100\" height=\"734\"class=\"img-responsive wp-image-103676\" srcset=\"https:\/\/arc.coop\/wp-content\/uploads\/2020\/03\/cabana-200x133.jpg 200w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/03\/cabana-400x267.jpg 400w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/03\/cabana-600x400.jpg 600w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/03\/cabana-800x534.jpg 800w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/03\/cabana.jpg 1100w\" sizes=\"auto, (max-width: 800px) 100vw, 1100px\" \/><\/span><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><div id=\"EthSI\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-5  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:0px;padding-top:20px;padding-left:0px;padding-right:0px;background-color:#5d987a;\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-5 {\n                            padding-left: 0px !important;\n                            padding-right: 0px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-one-half fusion-layout-column fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\" style=\"padding:30px;\"><h1 style=\"text-align: left;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-13517\" src=\"https:\/\/arc.coop\/wp-content\/uploads\/2016\/07\/ethsi.png\" alt=\"ethsi\" width=\"329\" height=\"336\" \/><\/h1>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-one-half fusion-layout-column fusion-column-last fusion-spacing-yes\" style=\"margin-top:20px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><div style=\"background-color: #5d987a;\">\n<h3><span style=\"color: #ffffff;\">EthSI Mark<\/span><\/h3>\n<p><span style=\"color: #ffffff;\">Ar\u00e7 Cooperativa is the first insurance brokerage in Europe to be awarded the highest degree of the <span style=\"color: #ade0bd;\"><a style=\"color: #ade0bd;\" href=\"http:\/\/ethsi.net\">segell EthSI<\/a><\/span> standard for <strong>ethical and solidarity-based insurance<\/strong> management.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">This qualification certifies the implementation of socially responsible practices and ethical investment, along with other ethical behaviour such as involvement in fairer economic practices or the use of ethical banking.\u00a0<\/span><\/p>\n<p><span style=\"color: #ffffff;\">The EthSI criteria are applied to insurance products as much as agents and insurance companies and are evaluated each year by an independent committee of the <strong>Ethical Finance Observatory<\/strong>. <\/span><\/p>\n<\/div>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><div id=\"finances_etiques\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-6  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:20px;padding-left:0px;padding-right:0px;background-color:#f8f6f4;\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-6 {\n                            padding-left: 0px !important;\n                            padding-right: 0px !important;\n                        }<\/style><div class=\"fusion-row\"><div class=\"fusion-one-half fusion-layout-column fusion-spacing-yes\" style=\"margin-top:20px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><h3>Ethical, solidarity-focused finance<\/h3>\n<p>In the insurance sector, as with the bank, investment may be the principal source of profit, but we must also allow for the forming of social and community bonds.<\/p>\n<p>When financing is ethical, those who are saving, whether they be companies or individuals, have the right to know where their savings are being invested. As a result of this, finance entities must stop funding activities that are ethically objectionable and only invest in social and environmental projects. At the same time, they must facilitate access to credit for those collective groups that have traditionally been excluded.<\/p>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-one-half fusion-layout-column fusion-column-last fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none\"> <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/arc.coop\/wp-content\/uploads\/2021\/07\/ARC\u0327-arbre-e1626677377604.png\" alt=\"\" width=\"1153\" height=\"990\"class=\"img-responsive wp-image-149128\" srcset=\"https:\/\/arc.coop\/wp-content\/uploads\/2021\/07\/ARC\u0327-arbre-e1626677377604-200x172.png 200w, https:\/\/arc.coop\/wp-content\/uploads\/2021\/07\/ARC\u0327-arbre-e1626677377604-400x343.png 400w, https:\/\/arc.coop\/wp-content\/uploads\/2021\/07\/ARC\u0327-arbre-e1626677377604-600x515.png 600w, https:\/\/arc.coop\/wp-content\/uploads\/2021\/07\/ARC\u0327-arbre-e1626677377604-800x687.png 800w, https:\/\/arc.coop\/wp-content\/uploads\/2021\/07\/ARC\u0327-arbre-e1626677377604.png 1153w\" sizes=\"auto, (max-width: 800px) 100vw, 1100px\" \/><\/span><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-7  fusion-parallax-fixed nonhundred-percent-fullwidth fusion-hide-on-mobile\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:20px;padding-left:0px;padding-right:0px;background-color:#f8f6f4;\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-7 {\n                            padding-left: 0px !important;\n                            padding-right: 0px !important;\n                        }<\/style><div class=\"fusion-row\"><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-104197\" src=\"https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2.png\" alt=\"\" width=\"1200\" height=\"10\" srcset=\"https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-200x2.png 200w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-300x3.png 300w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-400x3.png 400w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-600x5.png 600w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-768x6.png 768w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-800x7.png 800w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-1024x9.png 1024w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2.png 1200w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h4 style=\"text-align: center;\"><span style=\"color: #a32051;\">At Ar\u00e7 Cooperativa we want to recover the original idea of insurance as a community experience: a vehicle of solidarity and social cohesion.<\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-104197\" src=\"https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2.png\" alt=\"\" width=\"1200\" height=\"10\" srcset=\"https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-200x2.png 200w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-300x3.png 300w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-400x3.png 400w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-600x5.png 600w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-768x6.png 768w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-800x7.png 800w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2-1024x9.png 1024w, https:\/\/arc.coop\/wp-content\/uploads\/2020\/04\/separador-2.png 1200w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<\/div><\/div><div id=\"preguntas\"><div class=\"fusion-fullwidth fullwidth-box fusion-fullwidth-8  fusion-parallax-none nonhundred-percent-fullwidth\" style=\"border-color:#eae9e9;border-bottom-width: 0px;border-top-width: 0px;border-bottom-style: solid;border-top-style: solid;padding-bottom:20px;padding-top:20px;padding-left:0px;padding-right:0px;background-color:rgba(255,255,255,0);\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-fullwidth-8 {\n                            padding-left: 0px !important;\n                            padding-right: 0px !important;\n                        }<\/style><div class=\"fusion-row\"><h3>Four key questions<\/h3>\n<div class=\"fusion-one-half fusion-layout-column fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><h3 style=\"text-align: left;\"><span style=\"color: #000000;\">1.<\/span><\/h3>\n<h5><span style=\"color: #2e7952;\"> If you offer ethical insurance, why do you occasionally work with companies that do not have the EthSI stamp of approval?<\/span><\/h5>\n<p>At Ar\u00e7 Cooperativa, we believe that the development of ethical insurance is a process. We are not currently able to meet the insurance needs of every company, institution or person that we offer insurance to with ethically certified products because there are not enough certified companies. However, the dynamics are changing: today, in Spain alone, ethically certified insurance companies sell premiums worth a total of almost \u20ac800 million.<\/p>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-one-half fusion-layout-column fusion-column-last fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><h3 style=\"text-align: left;\"><span style=\"color: #000000;\">2.<\/span><\/h3>\n<h5><span style=\"color: #2e7952;\"> Why doesn\u2019t Ar\u00e7 Cooperativa work exclusively with certified companies?<\/span><\/h5>\n<p>Our objective is to cover all the insurance needs of the voluntary sector and organisations involved in the social and solidarity economy. We are determined to meet those needs with certified products, and until we can, we concentrate on increasing the purchasing power of consumers while putting pressure on companies to move toward the criteria of the <a href=\"http:\/\/ethsi.net\" target=\"_blank\" rel=\"noopener noreferrer\">segell EthSI<\/a> mark. During this transition, we ensure that our clients benefit from lower prices that come about as a result of collective purchasing.<\/p>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-one-half fusion-layout-column fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><h3 style=\"text-align: left;\"><span style=\"color: #000000;\">3.<\/span><\/h3>\n<h5><span style=\"color: #2e7952;\"> What type of audit do these certified companies and brokers go through for this seal of approval? <\/span><\/h5>\n<p>The governing body of the EthSI mark, the <strong>Ethical Finance Observatory<\/strong> reviews all the relevant information along certain basic parameters and determines the degree of application. In the case of brokers like Ar\u00e7 Cooperativa, the validity of our sustainability report is examined, alongside any new updates we have made in areas that previously needed improvement. The type of company and its ethical code is the second aspect considered. The third important variable is the evolution of the organisation as a provider of ethical banking.<\/p>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-one-half fusion-layout-column fusion-column-last fusion-spacing-yes\" style=\"margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper\"><h3 style=\"text-align: left;\"><span style=\"color: #000000;\">4.<\/span><\/h3>\n<h5><span style=\"color: #2e7952;\"> Can Ar\u00e7 Cooperativa guarantee that insurance premiums will not be reinvested in businesses with little ethical value?<\/span><\/h5>\n<p>When the Ethical Finance Observatory registers an insurance company, one of the basic requirements is that a percentage of investment be ethically responsible. This means that at this moment of transition, it is possible that part of the investment may not be socially responsible. However, if a certified company is found to have made investments of &#8220;maximum ethical sensitivity&#8221; (e.g., weapons or fiscal paradises), the Observatory would withdraw the approval mark.<\/p>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-15959","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ethical insurance - Ar\u00e7 Cooperativa<\/title>\n<meta name=\"description\" content=\"At Ar\u00e7 Cooperativa we want to recover the original idea of insurance as a community experience: a vehicle of solidarity and social cohesion.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/arc.coop\/en\/ethical-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ethical insurance - 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