They could dedicate more space for their material analysis and the stakeholder approach.
They should describe the impact in more detail with regard to their stakeholders.
Their impact along the entire value chain needs to come out a little more. As an insurance company the value chain might not be that easy to define so it is even more interesting for the reader.
They also should focus on their suppliers, instead of not-including them, beause they think, suppliers are not among the key stakeholders.
They should display more of their failures. Nobody believes them that they always operate correctly and efficiently. Every company has things to improve.
To focus more on sustainable issues in relation to climate change.
I would recommend widening the directory with different subitems to have a better overview about the topics.
I would recommend structuring the topics in a more efficient way and complement the text with helping graphics.
There is almost no balance between the positive and negative developments in the report available, but I hope that this will be seen in the next reports. I suggest a reporting system like Mondi Group has implemented it. There the reader is able to see the progress just by looking at a graphic traffic light. Red stands for negative, green for positive and yellow/orange for remaining.
I also would recommend using a new software like flipbook or anything else because the reader needs to be entertained. Entertainment is not the primary goal of this report, but it does help to keep the attention of the reader.