Insurance & risk transfer

The process of formally or informally shifting the financial consequences of particular risks from one party to another, whereby a household, community, enterprise or State authority will obtain resources from the other party after a disaster occurs, in exchange for ongoing or compensatory social or financial benefits provided to that other party.

This theme covers aspects of disaster risk financing, catastrophe bonds, financial resilience, and micro-insurance.

Latest Insurance & risk transfer additions in the Knowledge Base

A women farmer in Zimbabwe walking along her field checking the crops
Update
Smallholder farmers across the globe produce over a third of the world’s food supply, yet they receive a disproportionately small share of global climate finance.
International Food Policy Research Institute
Cover and source: Risk-informed Early Action Partnership
Documents and publications
This note defines and sets out the purpose of crisis modifiers (CMs), compares different types, showcases some current and recent examples, explain benefits and challenges, and explores the role they could play in future.
Cover and source: Practical Action
Documents and publications
This brief details knowledge and experiences shared with communities, practitioners, and decision makers in the Bardiya and Kailali Districts in Nepal to make resilience a way of life, finding ways to adapt to and prepare for flood events.
Cover
Documents and publications
This study explores the vulnerabilities of cotton farmers in India. Based on interviews and focus groups, it reveals their perceptions of and responses to climate and other shocks, and the current and potential use of insurance as a risk management tool.
Cover and source: Government of Australia
Documents and publications
This report outlines findings and recommendations in the aftermath of the 2022 floods across Australia. In particular, this report examines the three “P”s of flood insurance: policyholders, pooling and preparation.
Update
For many Australians, 2022 was a dark and devastating year. Major floods wreaked havoc on hundreds of communities in Queensland, New South Wales, Victoria and Tasmania. But for some, the floods themselves were only half the disaster.
Conversation Media Group, the
Update
The destruction in northern Italy has ignited debate in a country where just 6% of homes are insured against disasters.
Guardian, the (UK)
Update
Climate change is increasing the risk of extreme weather events for Australian households. Floods and bushfires are becoming more likely and severe. As a result, household insurance costs are soaring - tripling in some cases.
Conversation Media Group, the
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