Responsibility to the natural environment

Protection of the environment in work processes

Zavarovalnica Triglav prepared a plan to raise employee awareness about a rational use of resources and waste management. The plan will be regularly implemented throughout the year with the support of internal media.

Electronic notification of earnings for employees was introduced, resulting in annual savings of approximately 300 kg of office paper. To reduce waste plastic packaging from beverage vending machines, all employees of Zavarovalnica Triglav have their own cup and water bottle. Employees in most regional units and at the headquarters can use bicycles for short-distance work-related travel. 

In line with the purchasing policy, all (30) newly purchased company vehicles have low COemissions, which is in compliance with the guidelines of the European Commission, setting the maximum CO2 emission target of 95 g/km by 2020. The environmental criteria are part of the supplier selection process (see Section Responsibility to suppliers).

Carbon footprint calculation 

Systematic carbon footprint measurement in Zavarovalnica Triglav is being introduced to other companies of the Triglav Group. Thus, for the second time, carbon footprint measurement was conducted for the headquarters of four subsidiaries (see the table below). 

Carbon footprint results in tonnes of CO2 equivalent by Triglav Group subsidiary

 

Carbon footprint

Location

2015

2014

2013

Zavarovalnica Triglav*

4,930

5,107

5,419

Triglav Osiguranje, Sarajevo**

174

169

 

Triglav Osiguranje, Belgrade**

471

421

 

Lovćen Osiguranje, Podgorica**

195

165

 

Triglav Osiguruvanje, Skopje**

372

159

 

 *The Company headquarters and the 12 regional units’ head offices are included in the calculation.

**The headquarters are included in the calculation.

The bulk of greenhouse gas emissions is accounted for by emissions due to electricity consumption and heating, followed by work-related transport. 

Carbon footprint measurement was performed in all Zavarovalnica Triglav’s locations for the third time, while all regional units’ head offices and the Headquarters were included in the calculation of electricity consumption and energy used for heating and cooling. 

The calculation was performed using the methodology based on the Greenhouse Gas Protocol. The greenhouse gas calculation included direct emissions from heating with natural gas and fuel oil at regional units' head offices and the Headquarters as well as the emissions due to the Company's vehicle fleet, which is exclusively used for work-related travel. Indirect emissions included electricity used for cooling, lighting, heating, the operation of electrical and electronic equipment, as well as district heating emissions. Apart from that, emissions due to the use of paper and emissions due to work-related travel using employees’ own vehicles or public transport (train, bus, plane) were taken into account. Commuting to/from work was not considered in the calculation. The introduced information system improved the quality and efficiency of collecting the data on energy consumption, discharges and waste (see Use of Energy Products and Water for further details).

The bulk of greenhouse gas emissions in Zavarovalnica Triglav is accounted for by emissions due to electricity consumption and heating, followed by work-related transport. Electricity consumption was reduced by 4.7%, whereas carbon footprint from heating increased by 16%.

Carbon footprint results of Zavarovalnica Triglav in tonnes of CO2 equivalent by location


Carbon footprint

Electricity consumption and heating in m2

Location

2015

2014

2013

2015

2014

2013

Headquarters

836

860

965

0.065

0.063

0.077

Ljubljana Regional Unit

1.826

1.878

1.863

0.090

0.092

0.099

Celje Regional Unit

315

324

392

0.051

0.051

0.057

Koper Regional Unit

77

89

88

0.074

0.076

0.085

Kranj Regional Unit

324

413

456

0.073

0.101

0.107

Krško Regional Unit

72

81

99

0.029

0.029

0.042

Maribor Regional Unit

119

155

164

0.044

0.046

0.064

Murska Sobota Regional Unit

308

336

339

0.083

0.084

0.092

Nova Gorica Regional Unit

236

179

235

0.053

0.034

0.052

Novo Mesto Regional Unit

140

141

140

0.081

0.082

0.083

Postojna Regional Unit

495

465

472

0.246

0.230

0.235

Slovenj Gradec Regional Unit

61

67

80

0.044

0.046

0.054

Trbovlje Regional Unit

121

119

126

0.080

0.072

0.079

Total

4,930

5,107

5,419

0.078

0.078

0.087

Total emissions due to exclusively work-related travel using the Company's vehicle fleet, public transport or employees' own vehicles accounted for 483 tonnes of CO2 equivalent or 14.5% less than the year before.

Paper consumption is used to monitor environmental awareness and behaviour of employees in the office. CO2 emissions due to office paper consumption are very low compared to other sources.

The average use of A4 printing and copy paper per employee a day


2015

2014

2013

Average use of paper sheets per employee a day

27.7 

27.6

27.1

 

By taking various organisational and investment measures, the use of energy products is planned to decrease by around 10% in the 2015–2018 period. This commitment is voluntary and is part of the efforts for the efficient use of all resources, as the insurance industry is not committed to adhere to the legislation regulating energy management.

In 2015, energy performance certificates were obtained and energy audits of some of the most important buildings were performed, while the rest will be audited in 2016, when significantly higher funds will be allocated to more extensive energy-saving building renovation. Since 2013 small investments have been made to improve the energy efficiency of the most critical buildings.

In 2016, the new information system will enable automatic management of energy and environmental accounting. The obtained data, including the findings of key energy audits, will serve as an important basis for taking appropriate measures.

Use of energy products in Zavarovalnica Triglav in 2013–2015

 

Use of energy products by year

Index

Energy product type

2015

2014

2013

2015/2014

2014/2013

Warm water (MWh)

2,900

2,211

2,857

131

77

Fuel oil (l)

16,550

35,441

57,446

47

62

Gas (m3)

144,697

101,055

154,555

143

65

Electricity (MWh)

5,092

5,347

5,621

95

95

In the reporting period, 34,315 gigajoules (GJ) of electricity were used for heating, cooling, lighting and the operation of electrical and electronic equipment, assuming that 10 kWh of electricity are generated from one litre of fuel oil and 9.5 kWh from 1m3 of natural gas. 

Zavarovalnica Triglav does not yet keep records of its energy consumption by energy source, but estimates its structure to be comparable to the structure of energy sources at the national level. According to the latest available data (from 2011), it is estimated that the largest energy source in Slovenia is nuclear energy (39%), followed by solid fuels (33%), while renewable sources of energy accounted for 24% of the total.  

Paper, packaging and mixed municipal waste is collected separately in all regional units and most representative offices. At the Headquarters, where waste separation results have been monitored for several years, a continuing decline in the share of mixed municipal waste has been recorded. In 2015, more comprehensive data began to be captured in the remaining regional units of Zavarovalnica Triglav. Their waste separation results are significantly poorer than those for the Headquarters.

The quantity of waste in Zavarovalnica Triglav


Zavarovalnica Triglav (in m3)

Headquarters (in m3)

Headquarters index

Waste type

2015

2015

2014

2013

2015/2014

2014/2013

Mixed waste

856

28

23

47

122

49

Packaging

448

62

46

94

135

49

Paper

475

120

92

96

130

96

Total

1,779

210

161

237

130

68

 

In the reporting year, 7,643 kg of disused IT equipment was disposed of, including disused mobile phones. The equipment was handed over to the services responsible for waste management. 105 kg of IT equipment which was no longer used was given away. Toner and ink cartridges are disposed of separately. In the reporting year, 1,350.3 kg of empty cartridges were given to charity. 

In the sixth "Let’s Clean Our Mountains" Drive, more than 70 mountain huts in the Julian Alps, the Kamnik-Savinja Alps, the Karavanke mountains and the Highlands were equipped with biodegradable rubbish bags. In six years, mountaineers carried more than 27 tonnes of waste into the valleys. 

The activities jointly undertaken with the Mountain Rescue Association of Slovenia and the website for safe planning of mountain hikes are described in Section Prevention activities.