By complying with the HRC’s controversial demands, American Family Insurance increases the risk of dividing employees, alienating customers and harming shareholders. The company covers transgender-related medical costs for its employees and their children and provides specific sexual orientation and gender identity-based benefits. It also uses sex and gender ideology criteria in employee recruitment, vendor selection, marketing, and philanthropic support. American Family Insurance uses its reputation, corporate funds, and political influence to support controversial sex and gender ideologies, organizations, and legislation. The company pledged $105 million to BLM and related causes. AmFam is a corporate partner of the National LGBT Chamber of Commerce. For these reasons, AmFam receives a High Risk rating.