forbidden by law from asking their employees to disclosesuch information.During business combinations and corporate restructuringactivities, the Group protects the value of each employeeby providing, where necessary, training and professionalrequalification that takes into account the skills andexperience of each person. This training aims to facilitateintercompany integration and the assignment of newtasks. Corporate restructuring may also be accompaniedby voluntary redundancies, relocation (seeking to obtainthe consent of interested parties) and transfers to otherGroup companies.Employee representatives are suitably informed ofsignificant organisational changes at least 30 daysprior to the implementation of such changes (25 daysin the event of company transfers). The only exceptionis France, where the minimum notice period for theseinitiatives is eight days before the meeting at which theyare fully communicated to employee representatives.Transnational social dialogue takes place with theEuropean Works Council (EWC), a body that representsthe Group’s European workers and which consists of 43delegates from the 17 Member States of the EuropeanUnion, and through relations with the Select Committee,an 8-member body that represents the EWC. In <strong>2012</strong>,61,719 of the Group employees, or 77.7% of theentire workforce, were represented by the EWC.In <strong>2012</strong> the Agreement that regulates the role and methodof the EWC was renewed; more specifically, the conceptof informing and consulting workers’ representativeswith regard to transnational issues and projects ofsignificant interest to employees was redefined. Fiveordinary meetings took place (three with the SelectCommittee and two plenary meetings) together withtwo extraordinary meetings to discuss the renegotiationof the Agreement and ongoing transnational projects.Members of the Group’s Top Management and the ParentCompany’s Top Management attended the meetings,underlining the importance that the company places onissues of social interest to its employees. Finally, this yearthe EWC delegates’ training project co-financed by theEuropean Commission - DG Employment, Social Affairsand Inclusion - came to a conclusion.For further information on the EWC and theEuropean Social Charter, see the websitewww.generali.com/CareersHUMAN RIGHTSRespect for human rights, the responsibility for whichis entrusted to the Group CEO, is central to the strategyof the Group which guarantees its employees a workingenvironment free of all types of discrimination andharassment, recognises freedom of association andcollective bargaining, and prohibits any kind of illicit workor exploitation, as well as all types of compulsory, forcedor child labour.The principles and fundamental rights of employees areoutlined in the <strong>Generali</strong> Group Code of Conduct andreiterated in the <strong>Generali</strong> Group European Social Charter.Compliance with the core international standards of theInternational Labour Organisation (ILO) is monitored by theCorporate Social Responsibility department of Assicurazioni<strong>Generali</strong>, which every year sends out a written questionnaireto the <strong>Generali</strong> Group companies across the world.In <strong>2012</strong>, this monitoring covered 98.5% of the Group’sworkforce and produced the following results:• child labour: to ensure respect for this regulation, thecompanies verify the age of employees when they arehired. No Group employee is younger than 16 years ofage;• forced labour: there are no cases of forced, compulsoryor otherwise irregular labour within the Group. Allemployees are free to rescind their employment contract,observing the notice period established by law. In no casedoes the Group withhold the personal documents of itsemployees in order to limit their freedom of movementand their freedom to change jobs;• non discrimination: no cases of discrimination of anykind have been reported in the selection, managementand remuneration of the workforce;• freedom of association and collective bargaining:84.4% of employees work at Group companies wherethere is employee representation. 76.9% of employeesare covered by collective bargaining agreements; wheresuch agreements are not in force, employees are hiredwith a formal written employment contract. 2.8% ofemployees work at companies located in countries wherefreedom of association and collective bargaining arelegally restricted.Breaches or suspected breaches of these rights can bereported in person or anonymously to the Group Compliancedepartment of Assicurazioni <strong>Generali</strong>, which will evaluatesuch reports applying the procedures established by theGroup Rules of the Group Code of Conduct.In order to raise awareness about fundamental human rightsa training programme has been developed which includedan e-learning course lasting approximately an hour held inassociation with <strong>Generali</strong> Group Innovation Academy. Thetraining programme has so far involved 18,944 employeesat the companies in the following countries: Austria,Argentina, Brazil, China, Colombia, Ecuador, United Arab56 | Assicurazioni <strong>Generali</strong> - <strong>Sustainability</strong> <strong>Report</strong> <strong>2012</strong>
Emirates, the Philippines, Guatemala, Hong Kong, India,Indonesia, Italy, Mexico, Panama, Portugal, Switzerland,Thailand and Vietnam.A brief overview of how the Group guarantees theabovementioned rights of its workforce in countries notincluded in the <strong>Sustainability</strong> <strong>Report</strong> scope is provided below.Other European countries<strong>Generali</strong> also carries out insurance business activitiesin Belgium, Greece, Guernsey, Ireland, Liechtenstein,Portugal, the Netherlands, the United Kingdom, Turkey andthe countries of Central-Eastern Europe under <strong>Generali</strong> PPFHolding (Belarus, Bulgaria, Croatia, Hungary, Kazakhstan,Montenegro, Poland, Romania, Russia, Serbia, Slovakia,Slovenia and the Ukraine).Let's Clean, BulgariaChild labour - In these countries, all employees are over18 years of age.Employment contracts - All employees are hired withwritten contracts that reflect national collective bargainingagreements, where present. The minimum notice periodfor the unilateral termination of an employment contractby the employee is at least 30 days in most of thecountries and 14-15 days in Greece, Poland, Russia andthe Ukraine. Remuneration is generally in line with theaverage figures in the national insurance industry. MostGroup companies offer flexible working hours with theworking week consisting of between a minimum of 35hours (Belgium, Guernsey and Portugal) and a maximumof 40 hours (Kazakhstan, Montenegro, Poland, Romania,Russia, Serbia, Slovenia, the Ukraine, Hungary). Overtime -not permitted in Montenegro and Serbia - is voluntaryand cannot exceed 12 hours per week; it is remuneratedeverywhere with the exception of Kazakhstan, Slovakia,Turkey and the Ukraine.Trade Unions - Employees are free to elect their ownrepresentative or to become members of trade unionorganisations, even if the number of enrolled employeesis not known. In the countries of the European Union,transnational social dialogue takes place via meetings withthe European Works Council, a body that represents theGroup’s 61,719 European Union employees.Employee Health and Safety - The Group complies withlocal regulations on the health and safety of employeesand most Group companies have a Health and SafetyCommittee. Although there are differences from country tocountry, as well as healthcare and work accident insurancepolicies the Group generally offers its employees thefollowing benefits: accident insurance and supplementarycoverage that enables employees to enjoy qualityhealthcare services such as hospital admissions due toillness, accidents, surgery and medical assistance.AsiaThe Group operates in China, Hong Kong, India, Indonesia,Japan, Thailand, the Philippines, the United Arab Emiratesand Vietnam.Child labour - In these countries, all employees are over18 years of age.Employment contracts - In these countries there is nonational collective bargaining agreement; in accordancewith local laws, the employment contracts of Groupemployees are individual and are formalised with awritten letter. In the Group companies, there are rules ofconduct (Code of Conduct, Sale and Staff ManagementPolicy, etc.) and regulations for the termination of theworking relationship between the parties by mutualconsent (Staff Dismissal Management Policy in China,India and Thailand). Employees are free to unilaterallyterminate their contract but must observe the minimumnotice period of at least 30 days (at least 7 days in HongKong). Remuneration is in line with the national averagein the sector. The working week ranges from 36.25hours 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 12hours per week in Hong Kong, Indonesia, Japan and thePhilippines. The concept of overtime for employees doesnot exist in India.Trade Unions - Employees are free to become membersof organisations, to elect their own representative and todiscuss issues such as working conditions, remunerationand benefits without being intimidated or pressured.Day trip at the organic farm, Hong KongEMPLOYEES | 57
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Sustainability Report 2012A complet
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Chairman and Group CEOletter to the
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- Page 14 and 15: at a glanceEMPLOYEESEmployee polici
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- Page 18 and 19: at a glanceSUPPLIERSThe Generali Gr
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- Page 23: IndexTHE GROUP 24Mission, vision, v
- Page 26 and 27: thE group79,454employees69.6billion
- Page 28 and 29: MISSION, VISION, VALUES AND COMPETE
- Page 30 and 31: CORPORATE BODIESBoard ofStatutoryAu
- Page 32 and 33: EngagementDuring the hearing before
- Page 34 and 35: The Code includes the introduction
- Page 36 and 37: In Italy, the Group Anti-money Laun
- Page 38 and 39: In order to make innovation an inte
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- Page 42 and 43: ADHESION TO EXTERNALVOLUNTARY INITI
- Page 45 and 46: STAKEHOLDERsPrague - Czech Republic
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- Page 49 and 50: mobility, coaching programmes and p
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- Page 55 and 56: normally have the option, often gua
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- Page 65 and 66: Workforce by age bracket2011 2012 2
- Page 67 and 68: Labour disputesNumber and value of
- Page 69 and 70: To foster greater staff involvement
- Page 71 and 72: Committedto innovation anddiversifi
- Page 73 and 74: SIZE AND CHARACTERISTICS OFTHE SALE
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- Page 77 and 78: Satisfaction surveys on services pr
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- Page 96 and 97: of pre-packaged solutions. As part
- Page 98 and 99: Surveys on servicesGERMANYOnline su
- Page 100 and 101: Percentage of clients by age bracke
- Page 102 and 103: Change in number of claims2009-2012
- Page 104 and 105: Change in numberof complaints recei
- Page 106 and 107: SUPPLIERSKarolinen Karee, Munich, G
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Relationships with contractual part
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SIZE AND CHARACTERISTICSOF SUPPLIER
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COMMUNITYOld-Aged Survey, Germania1
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GUIDELINES FOR COMMUNITYINITIATIVES
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For example, in 2012 the Generali E
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Cultural areaWith a view to promoti
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Sports areaGenerali regards sport a
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ENVIRONMENT ANDCLIMATE CHANGEOilsee
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In order to pursue the abovemention
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DIRECT ENVIRONMENTAL IMPACTThe data
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Electricity quota from renewable so
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PaperPaper consumption3530252015105
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WaterWater consumption (m 3 )-0.4%3
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In all countries, IT waste, compris
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Flight kilometres travelled by empl
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The increase in exposure to climate
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EXPENDITURES AND INVESTMENTSFOR ENV
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ENVIRONMENTAL RANKINGGenerali’s a
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CONTENTINDEXParis - France
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REPORTEDGLOBALCOMPACTPRINCIPLESCROS
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GLOBALREPORTED COMPACTPRINCIPLESful
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REPORTEDGLOBALCOMPACTPRINCIPLESCROS
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GLOBALREPORTED COMPACTCROSS-REFEREN
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GRIINDICATORSDESCRIPTIONASPECT: Div
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GRIINDICATORSDESCRIPTIONSOCIETYDisc
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GRIINDICATORSDESCRIPTIONASPECT: Pub
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GRIINDICATORSDESCRIPTIONASPECT: Cus
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GRIINDICATORSFS3. CoreDESCRIPTIONPr
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Co-ordination:Corporate Social Resp