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Page 1: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

of our Corporate Social Responsibility

OVERVIEW

Page 2: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

OVERVIEWof our Corporate Social Responsibility 4

Overview of our Corporate Social ResponsibilityOur business is right at the heart of people and companies. Fully committed to our values of customer satisfaction, availability, independence and innovation, we strive to go further by implementing a Corporate Social Responsibility (CSR) approach across the Group. As a major player in the protection of individuals and property, we wish to incorporate social and environmental issues more broadly into our decisions and businesses. To achieve this, we have identified five principles that convey our convictions and commitments: 1. Promote human values in Group

activities 2. Act in favor of health and well-being in

the workplace 3. Control our environmental footprint 4. Foster dialogue and commit to all our

partners 5. Develop community programs This drive for progress is both a collective and individual challenge shared by all Group employees.

Pierre DONNERSBERGChairman of the Executive Board,

SIACI SAINT HONORE

CONTENTS

OUR PROFILE p. 5

OUR PRINCIPLES AND VALUES

1. Ethics and professional conduct p. 9

2. Governance and independence p. 9

3. Our commitment to quality p. 10

OUR SOCIAL COMMITMENTS

1. Promoting human values in Group activities p. 13

2. Acting in favor of health and well-being in the workplace p. 15

3. Supporting community programs p. 16

OUR ENVIRONMENTAL

COMMITMENTS

1. Raising awareness among our employees and partners: eco-friendly habits p. 21

2. Cutting our paper consumption p. 21

3. Studying technological and recycling solutions p. 21

4. Controlling our environmental footprint p. 22

Page 3: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

5 OUR PROFILEOVERVIEW

of our Corporate Social Responsibility 6

OUR PROFILESIACI SAINT HONORE is the fifth-largest French insurance brokerage and consulting Group. The firm is one of the leading service providers in property & casualty insurance as well as in health & life coverage (death & disability, healthcare, retirement) in France and worldwide via its subsidiary MSH INTERNATIONAL. The firm currently employs around 1,500 staff members.

A comprehensive offering and a specialty-based approach

Brokerage, consulting, administration and training

Protecting and retaining your employees

_ Healthcare, Death & Disability _ Employee pensions savings plans _ International audits and pooling _ Assistance, repatriation_ HR strategy and total rewards

A balanced group

Protection of assets and liabilities (Property & Casualty, Marine)

_ Property & Casualty and business interruption

_ Third-party liability_ Transport and logistics_ Political risks_ Credit insurance and factoring_ Construction and technical risks_ Automobile fleet_ Financial risks

Protection of assets and liabilities 45 %

Employee benefits, HR strategy and total rewards 32 %

International healthcare and protection solutions 23 %

Specific areas of expertise

Agri-food, Automotive industry, Consultant engineers and engineering firms, Construction, Retail, Energy, High-Tech, Financial institutions, Luxury industry, Oil & Gas,

International organizations and NGOs, Regulated professions, Healthcare, Telecommunications, Transportation, etc.

Key figures (2013)

+ 3,500 clients

Turnover: €244 million _ corporate turnover: €220 million _ individual life insurance (ASHP): €24 million

Around 1,500 staff members

+ 200 international Property & Casualty and Marine programs administered in Paris

+ 1,2 million insured persons in France and worldwide

99% of the portfolio in corporate risks

Market position

_ No. 1 Construction

_ No. 1 Transportation, Logistics, Supply Chain

_ No. 1 Company Pensions

_ No. 1 International Mobility

_ No. 3 Company Healthcare and Death & Disability

_ No. 3 Property and Third-Party Liability

Page 4: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

OUR PRINCIPLES AND VALUES

1. Ethics and professional conduct

2. Governance and independence

3. Our commitment to quality

Page 5: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

9 OUR PRINCIPLES AND VALUESOVERVIEW

of our Corporate Social Responsibility 10

1. Ethics and professional conduct

Our Code of Conduct sets out our values, commitments and obligations to our clients.

Our company undertakes to comply with the relevant laws and regulations governing our business. It goes without saying that SIACI SAINT HONORE will not act in breach of the legislation in force or deliberately circumvent any of its principles, and will not tolerate any corruption, fraud or misap-propriation on any grounds. We rely on the systems implemented within the Group to combat corruption, fraud,

money laundering and terrorist financing. SIACI SAINT HONORE has appointed a Data Protection Officer to gain a better understanding of and better manage issues related to the security and confiden-tiality of the personal data entrusted to us. We employ consulting physicians to ensure that the medical data of our clients and partners remain confidential and to manage all medical-related files. The Inter-nal Control Division, our Legal Department, our internal and external statutory auditors ensure that these principles are applied within the Group.

2. Governance and independence

SIACI SAINT HONORE has a stable gov-ernance structure including a Supervisory Board and Audit Committee. We possess no interests in any insurance companies

and no insurance company has a stake in our company. This ensures our indepen-dence and enables us to act solely in our clients’ best interests.

A unique capital structure

More than 120 managers have shares in the company’s capital.

Our shareholders provide stability and independence with regard to the main market players.

3. Our commitment to quality

Quality and customer satisfaction are central to the services we provide.

We obtained ISO 9001 certification in 2000 for our entire Healthcare and Death & Dis-ability business, in France and worldwide.

This certification also extends to our inter-national subsidiaries in Dubai (United Arab Emirates), Calgary (Canada) and Shanghai (China).

We measure the satisfaction of our clients and insured members through periodic satisfaction surveys. This continuous improvement approach enables us to listen to our clients, and provide them with timely high-quality and innovative services.

Quality serving companies

ISO 9001 certification

For brokerage and the administration of employee benefit plans and related services, in France and worldwide.

The Group is committed to a continuous improvement approach in all its business areas to ensure the same quality of service across the globe.

Cattleya Finance SA (private investment firm) 30 %

Compagnie Financière Édmond de Rothschild 19 % Jardine Lloyd Thompson

(JLT) 26 % Paris Orléans 10 %

Management 15 %

Page 6: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

OUR SOCIAL COMMITMENTS

1. Promoting human values in Group activities

2. Acting in favor of health and well-being in the workplace

3. Supporting community programs

Page 7: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

13 OUR SOCIAL COMMITMENTSOVERVIEW

of our Corporate Social Responsibility 14

1. Promoting human values in Group activities

The HR Department ensures the proper application of employment law and the French Labor Code.

Compliance with each person’s rights and obligations is a priority within our HR policy and a key element of our Group’s sound relationship with its employees. For the last few years, our company has also been committed to the following: - a proactive employment policy, aimed at providing our employees with a pleas-ant workplace, and significant rewards in terms of benefits (pensions, healthcare and death & disability) and compensation (discretionary and statutory profit-sharing), - a strong integration policy,

- a framework for career development. Diversity, equal opportunities, the employ-ment of disabled persons, the management of senior employees and the aim of greater gender parity are all fundamental values of our social policy, as they provide a great wealth of opportunities for sharing among our teams.

Total number of staff members as at December 31, 2013

France International Total

2010 781 267 1,048

2011 833 307 1,140

2012 888 394 1,282

2013 951 514 1,465

1.1. Diversity as a source of differentiation and enrichment

Almost one third of employees working outside of France

BEIJING

GUANGZHOU DUBAI

CALGARY PARIS

HOUSTON ABU DHABI

BANGKOK

LYONGENEVA

LUXEMBURG

TORONTO

CHENGDU SHANGHAI

40 languages spoken and 60 different nationalities.

1.2. Professional equality between men and women within the company

Signature of an agreement at the end of 2011

_ 70% of company employees are women (data for France, 2013),

_ 61% of company executives are women (data for France, 2013),

_ number of employees promoted in 2013: 54, including 38 women (71%).

1.3. A strong employee integration and support policy

Youth employment (2013)_ 1 apprenticeship contract, _ 17 professional training contracts, _ 175 employees aged under thirty, _ around one hundred students

recruited each summer.

Employment of seniorsAn official company agreement in favor of employing seniors was signed in 2009.

“When I arrived, my manager took the time to present the company’s organization and my role within it. This gave me my first professional reference points within the company. I was very quickly introduced to all my colleagues who helped with my induction and provided support on a daily basis. As a Human Resources representative is regularly available on-site, I was able to ask all sorts of practical questions about the company, our employee benefits and so on. The good relations between the HR Department and managers, combined with the welcome provided by the teams helped me to become successfully integrated within the company.”

Statement by an employee on the PSF administration team

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15 OUR SOCIAL COMMITMENTSOVERVIEW

of our Corporate Social Responsibility 16

Induction seminarsEach employee takes part in an induc-tion seminar (a group presentation day) enabling him/her to meet the members of the Executive Committee, including the Chairman of the Board of Directors, the CEO and Operational Directors. Three or four induction seminars are held each year for roughly eighty employees.

On-going professional training- 7,300 hours of training courses in 2013. - More than 3% of payroll is devoted to training each year. - 43% of employees took part in training initiatives in 2013 (the number of employees receiving training out of the total number of employees as at December 31 of the year in question).

Skills managementAn official company agreement was signed in 2011 on the Forward-looking Management of Jobs and Skills (GPEC in French).

Actions in favor of disabled persons- The number of disabled employees within the company has been multiplied by three in three years. - Participation in events to promote the employment of disabled persons (“Paris pour l’emploi” fair, disability week, etc.). - Interns welcomed as part of our partner-ship with a Vocational Rehabilitation Center (CRP) aimed at providing training for a new profession for employees acknowledged as unable to conduct their former profession. - Supplies and services purchased from various sheltered employment structures (ESAT).- Internal awareness-raising campaigns on disability issues.

2. Acting in favor of health and well-being in the workplace: full commitment

Health is one of our core businesses. Promoting health is also acting in favor of the company and society as a whole.

SIACI SAINT HONORE conducts various awareness-raising and preventive initia-tives, both internally and externally, on well-being in the workplace.

Well-being in the workplace policies and organizational issues are key challenges for our Group and are at the center of

professional relations between employees and their representatives.

These ties have been fostered with the Health & Safety Committee, the Works Committee and the Occupational Health representative in order to work together on these issues and consider individual difficulties as part of a collective analysis.

These various actions became part of an offi-cial framework in 2010 through the signature

of the “Engagement en faveur du bien-être au travail et du droit universel à la santé” (Commitment in favor of well-being in the workplace and the universal right to health) by the Observatoire Social International (OSI). By signing this commitment, SIACI SAINT HONORE wanted to set out its values clearly and take part in a drive enabling the Group to continue to improve in these areas.

The Observatoire Social International was founded in 2000 in order to create a better understanding of the social requirements of globalization through cooperation ini-tiatives between economic, social and political players and associations. Around ten companies and organizations are part of the OSI, including Schneider Electric, Areva, Danone, la Poste and Mala-koff Médéric.

Our focus on Group employee well-being was also embodied in 2011 through a social climate internal study that will be renewed on a periodic basis in order to pinpoint our employees’ concerns and provide solutions.89% of employees state their satisfaction with working within the Group (2011).

3. Supporting community programs

3.1. Making donations a corporate project actively involving employees

Arrondi Solidaire, set up in 2013, is an innovative and voluntary donation collec-tion scheme. Employees who wish to may donate cents from their salary (rounding it up to the nearest Euro for example) up to a limit of five Euros per month. SIACI SAINT HONORE has decided to supplement the amounts donated by Group employees with a 200% contribution: for each Euro donated by an employee, SIACI SAINT HONORE donates two Euros, result-ing in a total of three Euros collected for our partner associations.

The donations collected are invested in projects in favor of business creation, employment and access to healthcare.

Page 9: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

17 OUR SOCIAL COMMITMENTSOVERVIEW

of our Corporate Social Responsibility 18

With ADIE, we suppor t persons excluded from the labor market in France who wish to create their own business. Since 1989, ADIE has granted 113,283 micro-credits, and 81,396 businesses and 107,000 jobs have been created.

With PlaNet Finance, we are active in Madagascar to develop access to healthcare for farmers and their families. PlaNet Finance is a socially respon-sible international organization whose mission is to help those in poverty to develop an income-generating activ-ity autonomously. This product offers

coverage between 70% and 100% of all healthcare expenses. The organization has helped more than 1,000 people since 2011.

Each year, SIACI SAINT HONORE donates to the French Red Cross and supports a project in one of the many sectors in which it is active: healthcare, independent living support, emergency assistance and first aid, social outreach programs, training and international solidarity. www.croix-rouge.fr

3.2. Our corporate and socially responsible commitments, across the globe

Breast cancer support in Dubai, by organizing events and backing the Breast Friends association (www. breast-friends.org).

Local assistance in Canada“On our own scale, we take part in various activities and causes. We sponsor eleven children through World Vision, make donations, for example to the Red cross and the Alberta Cancer Foundation in particular, and take part in the Feed the Hungry program, aimed at providing food to persons with very low incomes. We

also support the Veterans Organization through a food drive over the Christmas period.”

Rick Albert, President & CEO,

MSH INTERNATIONAL CANADA

Initiatives to help underprivileged children in ChinaAs par t of Operation “Love Tree”, MSH China makes donations to help chil-dren from poor and isolated regions in China.Our Chinese teams also occasionally visit children at the Shanghai Huge Grace Dis-abled Children Welfare Center and organize a charity sale, the Welfare Center Charity Bazaar, from which all proceeds go to finance medical treatment for children.

Page 10: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

OUR ENVIRONMENTAL COMMITMENTS

1. Raising awareness among our employees and partners: eco-friendly habits

2. Cutting our paper consumption

3. Studying technological and recycling solutions

4. Controlling our environmental footprint

Page 11: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

21 OUR ENVIRONMENTAL COMMITMENTSOVERVIEW

of our Corporate Social Responsibility 22

1. Raising awareness among our employees and partners: eco-friendly habits

By implementing and disseminating our eco-friendly habits, we incite employees to save on electricity, water and paper, to use “clean” transportation, and to recycle. A few simple actions enable us to protect the environment both individually and collectively.

From

COMMITMENTto

aCTION

Protecting the environment is everyone’s concern. On a day-to-day

basis, we are all involved both personally and professionally. As

sustainable development is a major challenge in our society today,

we must change our habits.

This is why SIaCI SaINT HONORE is undertaking to act in favor

of the environment on a daily basis.

This guide presents the simple habits that we can all learn to cut

our environmental footprint and ensure a better quality of life for all.

This booklet provides tips for reducing our paper, energy and water

consumption, recycling and getting about using more responsible

means of transportation.

We know that we can count on the conviction and commitment

of each and every one of you.

In China, we raise awareness of these habits via the Green

Operation approach.

Guide to

eco-friendly habits

PaPER

ELECTRICITY

aND HEaTING

WaTER

WaSTE

TRaNSPORTaTION

In China, we raise awareness of these habits via the Green Operation approach.

  Green OperationGreen Operation绿色运营绿色运营

 

We have also introduced a CSR criterion when selecting suppliers.

2. Cutting our paper consumption

As we work in the service industry, we use a lot of paper. It was very important for us to work on this. Major initiatives, such as switching to paperless administration, have been

implemented and offered to our clients: e-documents made available via email or dedicated extranet sites, electronic docu-ment management (EDM) internally, etc.

3. Studying technological and recycling solutions

The Green IT approach rolled out by the Information Systems Division favors high-

performance technical solutions that help to control electricity consumption, both

for equipment renewal (the new genera-tion of computer screens for example) and the installation of IT rooms.

We recycle used IT equipment and con-sumables.

4. Controlling our environmental footprint

The greenhouse gas emissions caused by our employees’ business air travel is without a doubt the most important factor in the Group’s environmental footprint. We use calculators based on the Bilan Carbone® methodology developed by the French Environmental Agency, ADEME. Through our carbon offsetting, we fund projects to cut greenhouse gas emis-sions and in favor of carbon capture conducted by Action Carbone: building biogas tanks in India and China and solar ovens in South America, as well as waste composting in Madagascar.

All projects are certified

 

In just five years, Action Carbone has offset more than 155,000 metric tons of CO

2.

Our Group has set up a partnership with Action Carbone, a program run by the GoodPlanet Foundation, in order to offset the CO2 emissions related to all air travel to our main subsidiaries abroad.  

Page 12: OVERVIEW · 2014-07-13 · Overview of our Corporate Social Responsibility Our business is right at the heart of people and companies. Fully committed to our values of customer satisfaction,

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