Human rights

Respect for human rights, the responsibility for which is entrusted to the Group CEO, is central to the strategy of the Group which guarantees its employees a working environment free of all types of discrimination and harassment, recognises freedom of association and collective bargaining, and prohibits any kind of illicit work or exploitation, as well as all types of compulsory, forced or child labour.
The principles and fundamental rights of employees are outlined in the Generali Group Code of Conduct and reiterated in the Generali Group European Social Charter.

Compliance with the core international standards of the International Labour Organisation (ILO) is monitored by the Corporate Social Responsibility department of Assicurazioni Generali, which every year sends out a written questionnaire to the Generali Group companies across the world.

In 2012, this monitoring covered 98.5% of the Group's workforce and produced the following results:

  • child labour: to ensure respect for this regulation, the companies verify the age of employees when they are hired. No Group employee is younger than 16 years of age;
  • forced labour: there are no cases of forced, compulsory or otherwise irregular labour within the Group. All employees are free to rescind their employment contract, observing the notice period established by law. In no case does the Group withhold the personal documents of its employees in order to limit their freedom of movement and their freedom to change jobs;
  • non discrimination: no cases of discrimination of any kind have been reported in the selection, management and remuneration of the workforce;
  • freedom of association and collective bargaining: 84.4% of employees work at Group companies where there is employee representation. 76.9% of employees are covered by collective bargaining agreements; where such agreements are not in force, employees are hired with a formal written employment contract. 2.8% of employees work at companies located in countries where freedom of association and collective bargaining are legally restricted.

Breaches or suspected breaches of these rights can be reported in person or anonymously to the Group Compliance department of Assicurazioni Generali, which will evaluate such reports applying the procedures established by the Group Rules of the Group Code of Conduct.

In order to raise awareness about fundamental human rights a training programme has been developed which included an e-learning course lasting approximately an hour held in association with Generali Group Innovation Academy. The training programme has so far involved 18,944 employees at the companies in the following countries: Austria, Argentina, Brazil, China, Colombia, Ecuador, United Arab Emirates, the Philippines, Guatemala, Hong Kong, India, Indonesia, Italy, Mexico, Panama, Portugal, Switzerland, Thailand and Vietnam.

A brief overview of how the Group guarantees the abovementioned rights of its workforce in countries not included in the Sustainability Report scope is provided below.

Other European countries
Generali also carries out insurance business activities in Belgium, Greece, Guernsey, Ireland, Liechtenstein, Portugal, the Netherlands, the United Kingdom, Turkey and the countries of Central-Eastern Europe under Generali PPF Holding (Belarus, Bulgaria, Croatia, Hungary, Kazakhstan, Montenegro, Poland, Romania, Russia, Serbia, Slovakia, Slovenia and the Ukraine).
Child labour
- In these countries, all employees are over 18 years of age.
Employment contracts
- All employees are hired with written contracts that reflect national collective bargaining agreements, where present. The minimum notice period for the unilateral termination of an employment contract by the employee is at least 30 days in most of the countries and 14-15 days in Greece, Poland, Russia and the Ukraine. Remuneration is generally in line with the average figures in the national insurance industry. Most Group companies offer flexible working hours with the working week consisting of between a minimum of 35 hours (Belgium, Guernsey and Portugal) and a maximum of 40 hours (Kazakhstan, Montenegro, Poland, Romania, Russia, Serbia, Slovenia, the Ukraine, Hungary). Overtime - not permitted in Montenegro and Serbia - is voluntary and cannot exceed 12 hours per week; it is remunerated everywhere with the exception of Kazakhstan, Slovakia, Turkey and the Ukraine.
Trade Unions
- Employees are free to elect their own representative or to become members of trade union organisations, even if the number of enrolled employees is not known. In the countries of the European Union, transnational social dialogue takes place via meetings with the European Works Council, a body that represents the Group's 61,719 European Union employees.
Employee Health and Safety
- The Group complies with local regulations on the health and safety of employees and most Group companies have a Health and Safety Committee. Although there are differences from country to country, as well as healthcare and work accident insurance policies the Group generally offers its employees the following benefits: accident insurance and supplementary coverage that enables employees to enjoy quality healthcare services such as hospital admissions due to illness, accidents, surgery and medical assistance.

Asia
The Group operates in China, Hong Kong, India, Indonesia, japan, Thailand, the Philippines, the United Arab Emirates and Vietnam.
Child labour
- In these countries, all employees are over 18 years of age.
Employment contracts
- In these countries there is no national collective bargaining agreement; in accordance with local laws, the employment contracts of Group employees are individual and are formalised with a written letter. In the Group companies, there are rules of conduct (Code of Conduct, Sale and Staff Management Policy, etc.) and regulations for the termination of the working relationship between the parties by mutual consent (Staff Dismissal Management Policy in China, India and Thailand). Employees are free to unilaterally terminate their contract but must observe the minimum notice period of at least 30 days (at least 7 days in Hong Kong). Remuneration is in line with the national average in the sector. The working week ranges from 36.25 hours in japan to 44 hours in India and the Philippines. Working hours are not flexible in the Asian companies.
Overtime is voluntary and is generally remunerated (with the exception of Hong Kong), and may exceed 12 hours per week in Hong Kong, Indonesia, japan and the Philippines. The concept of overtime for employees does not exist in India.
Trade Unions
- Employees are free to become members of organisations, to elect their own representative and to discuss issues such as working conditions, remuneration and benefits without being intimidated or pressured.
Employee Health and Safety
- The Group respects the safety and health of its employees in the workplace, providing the highest possible standards of quality. Only in the Philippines is there a Health and Safety Committee. Employees are covered by healthcare and work accident insurance policies, pursuant to local laws. Although there are differences from country to country, employees can also enjoy additional benefits such as quality healthcare, which includes hospital stays, term insurance, disability and accident insurance.

The Americas
In the Americas, the Group operates in Argentina, Brazil, Canada, Colombia, Ecuador, Guatemala, Mexico, Panama and the United States.
Child labour
- In these countries, all employees are over 16 years of age. In Brazil, Generali Brazil Seguros participates in the government's Menor Aprendiz apprentice programme, hosting in their offices young apprentices of over 16 years of age who undergo a professional apprenticeship and preparatory experience with a view to their future insertion in the labour market.
Employment contracts
- The picture is quite varied: in Argentina the Group applies the national collective bargaining agreement and in Brazil it complies with the regulations set forth by the Constitution and by the Collective Employment Convention for each category of employees. In Colombia, 84% of employees are covered by collective bargaining agreements. In the other countries, the employment contracts are based on individual written agreements. The minimum notice period for the unilateral termination of an employment contract by an employee is at least 5 days in Mexico, at least 15 days in Guatemala and Panama, and at least 30 days in the other countries.
Remuneration is in line or above the average of the national sector. The working week ranges from 37.5 hours in Argentina to 44 hours in Panama. Flexible working hours are possible in Canada, Guatemala and Panama. Overtime is voluntary, as a rule does not exceed 12 hours a week, and is remunerated in most countries.
Trade Unions
- In no country does the Group place restrictions on the right of the workers to appoint their own representatives or to freely join a trade union.
Employee Health and Safety
- The Group complies with workplace health and safety regulations in all countries and guarantees employees insurance coverage against illness and work accidents that goes beyond the minimum levels guaranteed by law. Most companies have a Health and Safety Committee. The Group companies offer their employees one or more of the following additional insurance policies at reduced cost or for free: quality healthcare, coverage for hospital stays due to illness or accident, term insurance and permanent invalidity or disability insurance.

Africa
The Group operates in South Africa through the company Europ Assistance.
Human and labour rights
- The HIV/AIDS Policy is adopted, which ensures that people carrying the HIV virus are not discriminated against during the employee recruitment process and, if hired, are not made redundant when the illness sets in.
Child labour
- The minimum age of employees is 18 years.
Employment contracts
- Employment contracts are based on individual written agreements. The minimum notice period for the unilateral termination of an employment contract varies from one week, for workers employed for less than six months, to 30 days for those employed for more than twelve months. The working week comprises of 40 hours and offers flexible starting and finishing times for administrative personnel. Call centre and customer service staff are contracted to work in shifts for a maximum of 45 hours per week. Overtime is voluntary, does not exceed 10 hours per week and is remunerated following the authorisation of the employee's immediate manager.
Trade Unions
- There are no restrictions regarding the rights of employees to appoint their own representatives or to freely join a trade union.
Employee Health and Safety
- Workplace health and safety regulations are respected and there is a Health and Safety Committee. Employee benefits include the following insurance policies: life insurance, dread disease insurance, and insurance against disability, illness and work accidents.