The "green" movement is becoming progressively more relevant to the insurance industry as consumers react to reports about the impact of climate change, and as President Barack Obama launches his agenda to promote energy efficiency while improving the economy, the environment and national security.

"Going green" encourages a trend toward the use and support of environmentally friendly products and materials--everything from energy-efficient hybrid cars to washers, refrigerators and other appliances.

In addition, green building construction is becoming more common in commercial and residential projects, as some reports estimate buildings use 40 percent of the total energy consumed in the United States.

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