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    <loc>https://claimscarbon.com/blog</loc>
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    <lastmod>2025-10-24</lastmod>
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  <url>
    <loc>https://claimscarbon.com/blog/ghg-protocol-scope-3-category-16-insurance</loc>
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    <priority>0.5</priority>
    <lastmod>2025-10-24</lastmod>
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    <loc>https://claimscarbon.com/blog/where-should-claims-emissions-be-reported</loc>
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    <priority>0.5</priority>
    <lastmod>2025-05-23</lastmod>
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      <image:title>Blog - Where should claims emissions be reported? Insights from insurers’ first-ever CSRD reports - Make it stand out</image:title>
      <image:caption>Illustration of the scope of an insurance claim</image:caption>
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  <url>
    <loc>https://claimscarbon.com/blog/insights-from-insurers-first-ever-csrd-reports</loc>
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    <priority>0.5</priority>
    <lastmod>2025-05-12</lastmod>
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      <image:title>Blog - Insights from Insurers’ First-ever CSRD Reports: Claims Emissions Are Material, but Calculation Methods Differ - Make it stand out</image:title>
      <image:caption>Findings from reviewed annual reports of P&amp;C insurers</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - Insights from Insurers’ First-ever CSRD Reports: Claims Emissions Are Material, but Calculation Methods Differ - This article highlights key learnings from the reported disclosures by the concerned insurers, focusing on how claims emissions are categorized, scoped, monetized, and ultimately interpreted in terms of materiality. The findings point to the growing relevance of claims emissions and emphasize the need for harmonized standards to support consistent and transparent reporting across the industry.</image:title>
      <image:caption>P&amp;C insurers included in our CSRD Claims Emissions analysis</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/tryg-sustainability-esg-insurance-industry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-18</lastmod>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/claims-standardization-definition-of-claims-emissions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-28</lastmod>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/roundtable-claims-emissions-october-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-29</lastmod>
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      <image:title>Blog - Driving Change: Key Insights from Our Recent Roundtable on Claims Emissions Accounting - Make it stand out</image:title>
      <image:caption>Directional carbon footprint profile of a typical P&amp;C insurance company indicating the importance of claims emissions.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/net-zero-transition-planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-22</lastmod>
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      <image:title>Blog - Net Zero Transition Planning for insurers - About Claims Carbon</image:title>
      <image:caption>Claims Carbon has a proven track record, having processed over 2 million claims and partnered with top global insurers. Our tools have been deployed across 50 countries, showcasing our capability to drive significant carbon reductions in the insurance industry. Reach out to learn more about how Claims Carbon Software can help you lead the industry in sustainability!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64a3fd632bc8f21c1b1fb98a/bdbfeffe-bd3d-49a8-bf3d-0cdfc3e6036b/Copy+of+Copy+of+Decarbonising+P%26c+claims+%28Presentation%29-2.png</image:loc>
      <image:title>Blog - Net Zero Transition Planning for insurers - We at Claims Carbon want to be an enabler in this journey, offering comprehensive tools and methodologies designed to help insurers navigate their Net-Zero Transition Planning seamlessly.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/decarbonising-claims</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-22</lastmod>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/claims-carbon-at-the-tech-arena</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64a3fd632bc8f21c1b1fb98a/25d2890c-5143-4129-81c6-7c955fd191bf/techarena-day1-59.jpg</image:loc>
      <image:title>Blog - Claims Carbon at the Tech Arena! - Green Insurance Takes the Stage</image:title>
      <image:caption>One of the event's highlights was Markko Wass's three-minute pitch, which covered the essence of green insurance, our mission, and Claims Carbon Software product details.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64a3fd632bc8f21c1b1fb98a/e35d1000-b02c-49ae-b885-6c1b154a39ad/tempImageaHXWR8.jpg</image:loc>
      <image:title>Blog - Claims Carbon at the Tech Arena! - Insurance Opportunities within the Autonomous Vehicle Revolution</image:title>
      <image:caption>Beyond our presentation, Tech Arena became a platform for knowledge sharing. Our team was inspired by discussions on the risks and opportunities the insurance sector faces with the advent of autonomous vehicles. These discussions not only showcased the event's innovative spirit but also sparked meaningful conversations about potential future projects and the path forward in sustainable insurance practices.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - Claims Carbon at the Tech Arena! - Missed us at Tech Arena? Reach out today!</image:title>
      <image:caption>Claims Carbon is more eager than ever to pursue our milestones. As we prepare for new client meetings, we're inspired to continue pushing the boundaries of what's possible in making insurance greener.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/follow-the-money-to-understand-claims-emissions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-22</lastmod>
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      <image:title>Blog - Follow the money to understand claims emissions</image:title>
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  </url>
  <url>
    <loc>https://claimscarbon.com/blog/green-insurance-how-to-reach-net-zero-for-insurers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64a3fd632bc8f21c1b1fb98a/f054a20f-61b7-48f8-bc0b-6b77bbbff971/_3__9264.JPG</image:loc>
      <image:title>Blog - Green insurance: how to reach Net Zero for insurers - About Claims Carbon:</image:title>
      <image:caption>Claims Carbon was founded to help insurers reach net-zero in their entire value chain. Based in Stockholm, Oslo, and Helsinki we offer the right competence and experience for understanding and dealing with the carbon footprint of the actual insurance business. With our Software, insurance companies can ensure CSRD compliance and embark on the journey toward net-zero insurance products.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/one-step-closer-to-net-zero-car-insurance-learnings-from-aviva-zero</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-24</lastmod>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/new-report-navigating-car-carbon-trends</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64a3fd632bc8f21c1b1fb98a/c0fca4fe-1851-4317-8f57-9fed0c82a5dd/Copy+of+toyota+included+%28Presentation%29-3.png</image:loc>
      <image:title>Blog - Navigating Car Carbon Trends 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64a3fd632bc8f21c1b1fb98a/e723fecb-f3b8-4ea4-8620-b76f54d08e01/Copy+of+toyota+included+%28Presentation%29-4.jpg</image:loc>
      <image:title>Blog - Navigating Car Carbon Trends 2023 - Read the full report &gt;</image:title>
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  </url>
  <url>
    <loc>https://claimscarbon.com/blog/how-insurers-can-lead-the-green-transition</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-08</lastmod>
    <image:image>
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      <image:title>Blog - How the insurance industry can lead the green transition - Espen Husstad</image:title>
      <image:caption>To shape a sustainable future, insurers must manage their ESG impact and influence stakeholders. This involves leveraging core functions: underwriting, investments, and claims handling.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/new-sustainability-agenda-for-insurers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-09</lastmod>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/2023/06/20/csrd-for-insurers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-22</lastmod>
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      <image:title>Blog - CSRD for insurers</image:title>
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      <image:title>Blog - CSRD for insurers</image:title>
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      <image:title>Blog - CSRD for insurers</image:title>
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  </url>
  <url>
    <loc>https://claimscarbon.com/blog/2023/05/11/understanding-co2-emissions-in-the-insurance-value-chain</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64a3fd632bc8f21c1b1fb98a/1691066348228-5N6KFOMRCTWTDNQ2N814/neom-xhMz5xIbhRg-unsplash-edited-scaled-e1683816220210.jpg</image:loc>
      <image:title>Blog - Understanding CO2 emissions in the insurance value chain</image:title>
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  </url>
  <url>
    <loc>https://claimscarbon.com/blog/2022/11/18/claims-carbon-the-first-insurance-focused-climate-tech-startup-raises-e11m-seed-round</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-21</lastmod>
    <image:image>
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      <image:title>Blog - Claims Carbon, the first insurance focused climate tech startup, raises €1,1m seed round</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://claimscarbon.com/blog/2022/09/21/sovereign-wealth-funds-step-up-scope-3-focus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-21</lastmod>
    <image:image>
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      <image:title>Blog - Sovereign wealth funds step up scope 3 focus</image:title>
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  </url>
  <url>
    <loc>https://claimscarbon.com/blog/2022/08/26/increasing-focus-on-emissions-from-the-insurance-exposure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-22</lastmod>
    <image:image>
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      <image:title>Blog - Increasing focus on emissions from the insurance exposure</image:title>
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  </url>
  <url>
    <loc>https://claimscarbon.com/blog/2022/06/20/the-carbon-footprint-profile-of-a-pc-insurer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64a3fd632bc8f21c1b1fb98a/1691066346328-70NRGD2W18622PGVGKIN/ClaimsCarbon_CarbonFootprint_Illustrator.png</image:loc>
      <image:title>Blog - The carbon footprint profile of a P&amp;C insurer</image:title>
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  </url>
  <url>
    <loc>https://claimscarbon.com/blog/2022/03/25/claimscarbon-at-the-norrsken-sthlm-impact-meetup</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-18</lastmod>
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      <image:title>Blog - Claims Carbon at the Norrsken Sthlm Impact Meetup</image:title>
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  </url>
  <url>
    <loc>https://claimscarbon.com/blog/2022/02/09/the-polluter-should-pay-and-that-must-apply-also-to-extreme-weather</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-04</lastmod>
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      <image:title>Blog - The polluter should pay and that must apply also to extreme weather</image:title>
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  <url>
    <loc>https://claimscarbon.com/blog/2022/02/02/challenges-when-calculating-scope-3-emissions</loc>
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    <priority>0.5</priority>
    <lastmod>2023-08-07</lastmod>
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      <image:title>Blog - Challenges when calculating scope 3 emissions</image:title>
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  <url>
    <loc>https://claimscarbon.com/blog/2022/01/26/do-your-best-remove-the-rest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-07</lastmod>
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      <image:title>Blog - Do your best, remove the rest</image:title>
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  <url>
    <loc>https://claimscarbon.com/blog/2022/01/19/is-the-world-economic-forum-too-downbeat</loc>
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    <priority>0.5</priority>
    <lastmod>2023-08-07</lastmod>
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      <image:title>Blog - Is the World Economic Forum too downbeat?</image:title>
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  <url>
    <loc>https://claimscarbon.com/blog/2022/01/12/forerunners-in-the-insurance-industry-are-taking-climate-action</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-07</lastmod>
    <image:image>
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      <image:title>Blog - Forerunners in the insurance industry are taking climate action</image:title>
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  </url>
  <url>
    <loc>https://claimscarbon.com/blog/2021/11/22/insured-emissions-and-claims-carbon-footprint</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-04</lastmod>
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      <image:title>Blog - Insured Emissions and Claims Carbon Footprint</image:title>
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  <url>
    <loc>https://claimscarbon.com/blog/2021/10/12/insurers-ask-for-alignment</loc>
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    <priority>0.5</priority>
    <lastmod>2023-08-04</lastmod>
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      <image:title>Blog - Insurers ask for alignment</image:title>
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  <url>
    <loc>https://claimscarbon.com/blog/2021/09/02/sustainable-insurance-must-include-climate-actions</loc>
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    <priority>0.5</priority>
    <lastmod>2023-08-04</lastmod>
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      <image:title>Blog - Sustainable insurance must include climate actions</image:title>
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  <url>
    <loc>https://claimscarbon.com/blog/2021/08/25/key-areas-where-insurers-can-make-a-climate-impact</loc>
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    <priority>0.5</priority>
    <lastmod>2023-08-04</lastmod>
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      <image:title>Blog - Key areas where insurers can make a climate impact</image:title>
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  <url>
    <loc>https://claimscarbon.com/blog/2021/08/11/key-takeaways-from-the-new-ipcc-climate-report</loc>
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    <priority>0.5</priority>
    <lastmod>2023-08-04</lastmod>
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      <image:title>Blog - Key takeaways from the new IPCC climate report</image:title>
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  <url>
    <loc>https://claimscarbon.com/blog/2021/06/08/the-un-climate-change-conference-a-wake-up-call-for-insurers</loc>
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    <priority>0.5</priority>
    <lastmod>2023-08-04</lastmod>
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