EIOPA · 3532
Own Risk and Solvency Assessment (ORSA)
- Regulation
- Guidelines on the Forward looking assessment of own risks
- Topic
- Own Risk and Solvency Assessment (ORSA)
- Submitted
- 2026-03-22
- Answered
- 2026-03-25
Question
The technological innovation and more specifically the expansion of AI in insurance business models, generates new risk fields. Given that the carbon emissions associated with a very simple AI search or query are significantly higher than traditional, non-AI searches due to immense electricity, often sourced from fossil fuels, to power data centers and the additional concequences to water overconsuming for cooling of servers together with the increased hardware and electronic waste for materials' upgrading reasons, result in an environmental burden. How to balance AI-related risks with environmental sustainability in a landscape of opportunities that the AI technology formulates while regulated by strict rules over environment protection?
Background
Environmental risks generated by AI opportunities
Answer
This question has been rejected because the question is not clear and it has not sufficiently identified a provision of the Solvency II framework which creates uncertainty for which an explanation is merited regarding their practical implementation or application.
This Q&A is published by European Insurance and Occupational Pensions Authority and is non-binding. It does not constitute legal advice. Updated weekly from official ESA sources.
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