Premiums for the Planet: A New Kind of Philanthropy

Philanthropy is evolving. It’s no longer defined only by charitable donations or year-end gifts, but by the quiet choices that shape how our money moves through the world.

Every company pays insurance premiums. Every one of those dollars is invested and underwritten by insurers across the global economy. What few realize is that those dollars — your dollars — determine which industries grow, and which decline.

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Our mission is simple: to turn those premiums into a force for good.

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Insurance: The Hidden Lever for Change

Climate risk is financial risk. From wildfire and flood exposure to supply chain disruption and market volatility, environmental instability now drives financial outcomes. Yet the insurance industry — built to mitigate risk — continues to invest trillions in the sectors fueling those very crises.

That’s why we created Premiums for the Planet: to help organizations align their coverage, costs, and carrier relationships with their climate and corporate values.

When you shift your premiums toward insurers who invest in climate solutions, you protect more than your balance sheet. You strengthen the systems your business depends on.

“If you’re climate-conscious, in any industry, you can’t ignore this massive opportunity to stand for the planet.”
— John Lacy, CEO, Burton

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The System We’re Changing

The global insurance sector collects over $7 trillion in premiums each year — more than the GDP of Japan. That capital is invested and underwritten across nearly every industry on earth.

Today, too much of it fuels the very risks companies are trying to manage:

• $700 billion in fossil fuel investments
• 18 U.S. states losing access to coverage
• 20-year-high insurance costs

We believe these dollars can do better.

When insurers underwrite climate solutions — renewable infrastructure, resilient supply chains, sustainable agriculture — they strengthen global stability. That’s the shift we help businesses make: from funding fragility to financing resilience.

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Our process is straightforward and strategic:

1. Audit – We review your existing policies, exposures, and costs.
2. Align – We connect you with vetted, mission-aligned brokers.
3. Act – We help you transition your coverage without disruption or additional cost.

Membership is free and frictionless. Most organizations begin saving immediately — all while supporting the planet.

“Joining was as easy as signing a form — and opened up a whole new way to drive real change.”
— Kevin McGahan, CFO, Sierra Club Foundation

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Results That Matter

Burton, the global leader in snow sports and sustainability, joined PFP to strengthen alignment between their insurance program and 2030 sustainability goals. The result: improved risk structure, optimized carrier relationships, and stronger value per dollar spent.

The Sierra Club Foundation, a national leader in environmental philanthropy, joined to ensure its insurance dollars matched its mission. The transition was seamless — no disruption, no cost, and a 10% reduction in premiums.

These are not donations. They are decisions — small shifts with exponential impact.

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Philanthropy Reimagined

Philanthropy is changing. For the conscious families, entrepreneurs, and foundations we partner with, generosity is no longer limited to gifts and grants. It’s expressed in how capital moves through the world.

Through Premiums for the Planet, we help organizations treat insurance as an act of alignment — one that drives both protection and regeneration. Every premium redirected toward climate-positive underwriting becomes a statement of shared responsibility and enduring impact.

When your risk management serves the planet, it serves your purpose.

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A Connected Future

Our goal is simple: to transform one of the world’s largest financial systems into one that safeguards not only companies, but communities and the climate itself.

When you realign your premiums, you’re not adding a new cost. You’re reclaiming an existing one — and reinvesting it in the future we all share.

That’s what connection looks like when capital is conscious.
That’s what it means to put a premium on the planet.

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To learn more about Premiums for the Planet visit their website.

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