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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

Traditional bolivian woman in traditional dress, walking trought the Sun island in lake Titicaca, Bolivia
Update

Rethinking premium support for climate protection

Compared to other forms of support, premium support directly reduces the price of insurance and has the potential to provide a more direct route to financial protection. However, the current approach has yet to deliver sustainable impact.
Centre for Disaster Protection
Flooded stores in Jianxi, China
Update

Is it time for China to embrace catastrophe insurance?

As disasters increase in frequency and severity, the need for such insurance is growing, but challenges persist in developing and implementing these products effectively in the Chinese market.
Dialogue Earth
Cover and source: Centre for Disaster Protection
Documents and publications

Rethinking premium support: Enhancing the impact and sustainability of climate risk insurance

This insight paper aims to support policymakers and practitioners as they seek to scale up financial protection against climate-related shocks through sovereign insurance solutions.
Update

Race to Resilience in action: How insurance is protecting millions from climate risks in the Philippines, Uzbekistan, Togo, and Morocco

The InsuResilience Solutions Fund under the InsuResilience Global Partnership Vision 2025 is spearheading a series of innovative insurance projects across the world to protect millions of vulnerable people from climate-induced disasters.
United Nations Framework Convention on Climate Change (UNFCCC)
Cover and source: Swiss Re Institute
Documents and publications

The future of excess mortality after COVID-19

Swiss Re Institute projects excess mortality in the US and UK over the next 10 years under different scenarios, by analysing excess mortality trends globally and disaggregating the underlying factors driving them.
Update

Glut of climate risk data prompts fear of US home insurance hike

Climate risk disclosure data is educating - and dividing - home-owning Americans.
Context
Update

Hawaii wildfires: Reflections on the first anniversary, new insights and innovations for the insurance sector

One year after the devastating wildfires in Hawaii, the scale and intensity of the wildfires not only underscored the vulnerability of the island’s communities especially on Maui but also laid bare the challenges and opportunities for the insurance sector
Moody's Investors Service
Update

Some New Zealand homes are becoming uninsurable because of natural disasters – but all may not be lost

After a series of disasters – from the Canterbury earthquakes to Cyclone Gabrielle – real doubt hangs over the insurance options available to some New Zealand homeowners.
Conversation Media Group, the
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