Insurance expertise lies in the ability of professional underwriters to assess, mutualise or transfer individual or business risks. Risk prevention help the insurer and the insured - be it an individual or a large corporation - to avoid accidents and to facilitate the reparation of those accidents. AXA has developed a close working relationship with clients both before and after incidents. The Group uses its risk management skills not only to establish premiums but also to reduce risk - human and natural.
In addition to traditional risk prevention, insurers can choose to underwrite risks in a manner that encourages activities and behaviours that contribute to a stronger, safer and more sustainable society. Numerous offers with social or environmental added-value have been developed by various AXA entities in the P&C business. These include for example motor insurance encouraging low emissions vehicles, home insurance with environmental appliances upgrades, SME covers favoring "green" buildings or car fleets or the promotion of the development of renewable energies via adapted policies covering the equipment and the revenues derived from electric energy sales, etc, as well as adapted reinsurance and claims management strategies.
