There are a few studies which assess the sustainability implementation into insurance risk management (Negri, 2018; Nogueira et al., 2018), but there is hardly any one addressing the sustainability implementation in underwriting. In order to fill this gap in literature, we aim to explore this issue. The focus of this study is two-fold; the first is to define the risk criteria to be assessed against the environmental and social risks; and the second is to propose a conceptual model of sustainable Contractors’ All Risks (CAR) policy underwriting for Indonesia non-life insurance.