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The starting point of insurers is to organise risk solidarity, the basis of insurance. The importance of this, the feeling of being able to share risks with each other and support each other, is increasing, according to Baeten. "The risks in people's daily lives are becoming greater and more complex. This can lead to a feeling of insecurity." He points to the consequences of climate change, the shortage in the labour market and the AI revolution that is putting pressure on the reliability of data and internet traffic. "And," he emphasises, "the impact of geopolitical tensions should not be underestimated."

Race 2025-2027
Over the next three years, the insurance sector will be working on solutions to increase the resilience and livelihoods of citizens and businesses. Baeten: "We do this on our own, or together with the government, civil society organisations, the business community and science. By providing solutions to increasing damage from climate change. But also by using new technology in such a way that insurers can serve their customers better and that customers can trust that their data is in good hands. And also that vulnerable groups can take out insurance as well as possible. Furthermore, the course gives insurers something to hold on to to make the Netherlands more climate-proof. Through prevention, but also, for example, by drawing attention to climate-proof construction in the development of large-scale construction sites.

Together for solidarity

The ambitions of the Association can be found in the Course 2025-2027 'Together for solidarity'. This course also includes the Annual Plan 2025 in which all Covenant files and the associated actions and projects are described in detail.