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Sustainable Supply Chain

A crucial part of product and service sustainability is related to supply chains. That is why Sampo Group companies place emphasis on the sustainability of their suppliers. The Group companies work with their suppliers and partners to drive high standards across supply chains.


If sees that it can have a positive impact not only on its own products and services but on society in general, if it encourages sustainability in its supply chains. If is committed to encouraging and supporting its suppliers and partners in their efforts to use more sustainable methods in their operations.

Supplier Code of Conduct

If has a Supplier Code of Conduct, which defines the minimum requirements that If asks suppliers to comply with when conducting business with If. The code covers the areas of human rights, labour rights, the environment including climate change, and anti-corruption, and it is based on the ten principles of the UN Global Compact and its underlying conventions and declarations.

All employees who purchase products or services within the areas of office procurements, claims handling, and claims settlement must incorporate the Supplier Code of Conduct into the relevant purchasing agreement. This applies both to new agreements and to agreements that are to be renewed.

If’s target is that 75 per cent of the company’s suppliers should have signed the code by the end of 2021.

If's Supplier Code of Conduct

Sector-Specific Requirements

If has set additional sector-specific environmental and health-related requirements for vehicle and property repair contractors. If’s priority is to ensure that waste and materials from vehicle and property repair processes are managed in the best possible way. Therefore, If focuses on increasing the recycling and reuse of undamaged vehicle parts instead of disposing of them, as well as reducing the amount of waste from property repairs.

If has also set expected levels of plastic repairs, as well as used parts, for individual contractors. The contractors report levels of plastic repairs and used parts monthly, and they document repair processes and methods in repair calculation systems.

Supplier Risk Assessments and Audits

If has close cooperation with its suppliers, and the company performs regular monitoring, using reporting and physical meetings to ensure that the suppliers comply with the company’s requirements.

If assesses all new and large existing suppliers and performs random checks to ensure compliance with If’ policies (e.g., Supplier Code of Conduct), which include labor rights and working conditions for example. If non-compliance is detected, a supplier audit is one possible action that can be taken.

However, the first step to remediate non-compliance is to verify of what has happened and the reasons leading to it. Depending on the findings, corrective actions taken can be, for example improvement of processes, correction of mistakes (e.g., errors in invoicing), or refunds. If the error or contract breach is major, it may result in termination of the contract.

Employee Training

If’s purchasing managers in claims handling, the heads of premises and purchasers in If’s Group Services and the legal counsels have received training on implementation of the Supplier Code of Conduct.


Topdanmark prefers to enter into agreements with suppliers and other business partners that prioritize ESG considerations in their operations.

CSR Program for Suppliers

Topdanmark has a CSR program for suppliers. The company works closely with its suppliers and other business partners, and assesses their operations on an ongoing basis in relation to corporate responsibility issues, and the principles of the Global Compact in particular.

Recycling and Repair in Claims Handling

Topdanmark processes more than 300,000 claims annually and integrates climate and environmental considerations into claims handling when possible. This is done by promoting recycling and repair, for which Topdanmark has set three goals: increase the number of furniture pieces and items sent for recycling; increase the percentage of car windows that are repaired; and increase the percentage of phones, computers, and tablets that are repaired.

Supplier Risk Assessments and Audits

Supplier screening and risk assessments are part of Topdanmark’s sourcing processes and include ESG considerations. The screening process varies based on, for example supplier’s sector, geographical location, and size, the type of work performed, and other risk considerations.

Topdanmark also conducts on-site audits. The first ESG-audit is expected to be performed in 2022.

To remediate non-compliance, Topdanmark performs re-audits with specific strategic suppliers. Actions to remediate non-compliance will be further developed in 2022.

Employee Training

Topdanmark’s procurement department is trained in the company’s Supplier Code of Conduct and risk assessments.


Hastings works closely with its local and national suppliers to communicate the company’s standards, values, principles, and sustainability goals to suppliers and ensure they are aligned in helping Hastings offer the best price, product, and service solutions to benefit the company’s customers and employees.

Supplier Management Framework

Suppliers of key services are subject to a robust due diligence process under a Supplier Management Framework in order to enhance the relationship and risk management. Critical suppliers are subject to ongoing reviews throughout the year at which service levels and adherence to processes and procedures are discussed, and any required improvements made as appropriate.

Sustainability considerations are part of all of Hastings’ procurement activities, including supplier selection, contracts, and ongoing dialogue with suppliers to ensure Hastings makes procurement choices with clear environmental and social benefits. 

Supplier Risk Assessments and Audits

Hastings conducts supplier risk assessments proportionate to the size and potential impact of the supplier on Hastings’ business operations in line with the company’s Supplier Management Protocol and consistent with the company’s public statement in context of the UK Modern Slavery Act 2015.

The Supplier Management Protocols incorporate use of a 3rd party due diligence service, to which the majority of the company’s strategic suppliers subscribe. The responses to the question sets are verified by the service provider as an assurance to the information declared by the suppliers. 

Hastings implements the right to audit clauses where relevant and as far as possible within the company’s 3rd party supplier agreements. The scope of this is broad and can be utilised to either fulfil any legally enforceable request from a regulatory authority or to verify accuracy of charges, service performance, and security compliance.

Hastings’ Supplier Management Framework ensures that the company routinely assesses the performance and effectiveness of its 3rd party relationships and associated contract. This helps avoid issues before they surface and avoid invocation of legal terms as far as possible. As a standard, there are no limitations on Hastings’ right to audit clause to minimise the frequency or timing of audits meaning Hastings can re-audit, if it chooses to.


Mandatum carries out an initial risk assessment for all suppliers deemed business critical prior to agreeing on cooperation. As part of the assessment different factors, such as financial and solvency resilience, operational resilience and business continuity, legal risks, compliance issues, reputational risks, and conflicts of interests, are considered.

In addition, Mandatum conducts supplier audits based on the initial risk assessment completed in the contracting phase. The company uses both off-site and on-site audits. For the off-site audits Mandatum uses manually submitted questionnaires. The on-site audits include, for example, interviews, walkthroughs, and review of documentation. The off-site audits may also include review of documentation and interviews, if considered necessary.

Audit frequency depends on the initial risk assessment and/or on the results of the latest audit. If the results indicate deficiencies, the scope and depth of the audit can be expanded.

Updated 28 Oct 2021