B2B Climate Transition Strategy 2026

Environmental
Insurance Intelligence.

Transforming Fidelidade into a Strategic Compliance Partner by merging risk scoring with persistent real - time mitigation.

Chapter 01

The Climate Regulatory Surface

GCD
Green Claims Directive
Phase: 2025 - 2026

Mandatory independent verification for all environmental claims before they are public.

Penalty Exposure
Up to 4% of annual turnover
ESPR
Ecodesign Regulation
Phase: 2025 - 2026

Mandatory sustainability, repairability, and durability requirements for physical goods.

Penalty Exposure
Market ban & product destruction
DPP
Digital Product Passport
Phase: 2026 - 2027

Requirement for physical products to carry a digital identity verifying circularity.

Penalty Exposure
Market exclusion & EU delisting
CBAM / ETS
Carbon Markets Core
Phase: Full 2026

Carbon tax on imports (CBAM) and cap - and - trade (ETS) allowance duties.

Penalty Exposure
Tax default fines & seizure

Chapter 02

Fidelidade B2B Product Adaptation

GCD is universal across the portfolio, while industry - specific mandates provide depth.

D&O (Directors & Officers)

Coverage extension for 'Unintentional Greenwashing' and board - level compliance default risk.

GCD (Universal)

RC Geral (General Liability)

Adaptable coverage based on industry: Market access for retail (DPP) or durability for construction (ESPR).

GCD (Universal) DPP ESPR

RC Profissional (E&O)

Indemnity for professional errors in GCD verification reporting and carbon market advisory.

GCD (Universal) CBAM / ETS

Marine & Cargo

Prevention of cargo seizure and duty default coverage due to carbon miscalculation or misleading claims at customs.

GCD (Universal) CBAM / ETS

Chapter 03

Risk Mitigation Utility

Moving beyond risk transfer to proactive compliance management.

Green Radar

Risk & Scoring Engine

The Green Radar is the central intelligence engine that allows Fidelidade to audit and risk score clients by performing continuous screening of corporate communications.

  • Corporate Websites
  • Social Media Claims
  • Press Releases
  • Internal Claims Data

Green Compliance Center

Advisory & Pre - Approval Hub

A persistent dashboard for B2B clients to manage exposure. It works as a "Safety Gate" for corporate communications and ensures internal alignment with climate law.

The Validation Clinic

"Screening every public document automatically before release."

Workflow: Marketing uploads a draft. The Clinic evaluates if content is compliant with GCD and suggests alterations to prevent the 4% fine.
EXAMPLE PRICING MODEL • NON - BINDING • DEMONSTRATION PURPOSES ONLY •

Chapter 04

Strategic Pricing Model

Proactive mitigation allows Fidelidade to offer superior technical margins at a lower total price.

Scenario A: Standalone Policy (Legacy)
Base Premium€10,000.00
Estimated Risk Loading + €4,000.00 (40%)
Policy Total€14,000.00
Scenario B: ZeroPact Intelligence Bundle
Base Premium€10,000.00
Unmitigated Load Risk (Estimated) + €4,000.00
ZeroPact Platform Subscription + €1,200.00
Risk Mitigation (ZeroPact Credit) - €1,800.00
Final Bundle Price€13,400.00
Client Advantage: €600 Net Savings + Full Defense

Fidelidade converts uninsurable liability into a managed risk service. By financing the ZeroPact bundle, the insurer "buys" a better loss ratio while providing the client with a superior, more affordable product.

€600
Direct Client Saving
100%
Claim Defense Coverage

Chapter 05

Pilot Phase Roadmap

Focus: GreenClaims Directive (GCD)

Month 1
Case Selection

Selection of 10 - 15 clients and manual data ingestion via CSV / PDF.

Month 2
Green Radar Scan

Screening of Web, Social Media & Press for the pilot group.

Month 3
Validation Clinic

Piloting the approval workflow for media departments.

Month 4
Impact Eval

Quantifying technical margin improve. & Scale Strategy.

Success KPIs

  • Profiling of 10 - 15 strategic clients
  • Zero 'Greenwashing' exposure for Pilot group
  • Refinement of GCD Risk Scoring algorithm and repricing calibration

Pilot Technical Investment Case

€8,760

Total Implementation Fee

Automated Web & Social Media Crawler Configuration (15 Entities) €2,150
NLP Core Engine Development for "Validation Clinic" Logic €2,480
Heterogeneous Data Ingestion & JSON Schema Mapping (PDF / CSV) €1,850
Underwriting API Bridge & Dynamic Scoring Integration €2,280