Climate Change And Insurance
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Insurance Climate Change And The Law
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Author : Franziska Arnold-Dwyer
language : en
Publisher:
Release Date : 2024
Insurance Climate Change And The Law written by Franziska Arnold-Dwyer and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024 with Climate change insurance categories.
"The insurance industry has found itself at the front line of climate change challenges, providing insurance cover in relation to risks associated with climate change. As risk carriers, insurers pay claims for climate change related losses - such as property damage caused by windstorms, flooding, and wildfires - which have been increasing in frequency and severity. As major institutional investors, insurance companies invest in assets that may be increasingly vulnerable to climate risks. Insurance regulators across the globe have therefore started to require insurance companies to identify, manage and report on climate change risks that could pose a threat to their financial stability. However, managing and reporting on the effect of climate risk on an insurer's balance sheet is an inward-looking perspective that does not stem climate change. It needs to be paired with an outward-looking perspective that takes account of the insurance industry's impact on the environment, and the insurance industry's capacity to influence what policyholders, investee enterprises and other business partners do to address climate change challenges. For the insurance industry, the key components of positive outward impact are "impact underwriting" and "impact investment". This book sets out the current legal and regulatory landscape for impact underwriting and impact investment. Whilst the focus of research and regulatory interventions to date has been on inward impact, in this book it will be argued that, to take positive climate action that supports the Paris Agreement goals and the national and international Net Zero targets, the debate should now move on to considering the positive outward impact the insurance industry can make, and how we can create a legal environment to facilitate this. The book puts forward the case for a new vision of the role of the insurance industry as climate action enablers and makes proposals for insurance products and risk transfer and loss resilience structures that can support policyholders in their transition to a Net Zero economy. The audience for this book will include legal practitioners, insurance industry professionals, financial and insurance regulators, policymakers and interested academics"--
Insurance Systems In Times Of Climate Change
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Author : Cornel Quinto
language : en
Publisher: Springer Science & Business Media
Release Date : 2011-10-22
Insurance Systems In Times Of Climate Change written by Cornel Quinto and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-10-22 with Law categories.
Natural disasters such as large-scale flooding are on the increase. Climate change directly affects our basis of existence. This includes residential buildings, and commercial and industrial properties. The author highlights the requirements that will have to be met by a protection system for buildings in the future. Insurance against natural hazards lies at the heart of such a system. The insurance systems of Germany, France, Spain, Switzerland and the USA are presented. The author explains what type of insurance system is best suited to meet the challenge of climate change. The starting point of the legal section is statutory insurance with a monopoly. The question of whether such insurance is compatible with Swiss and EU law is examined. Keywords in this respect are economic freedom, competition, services of general interest and universal service.
The Impact Of Climate Change And Sustainability Standards On The Insurance Market
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Author : Kiran Sood
language : en
Publisher: John Wiley & Sons
Release Date : 2023-08-22
The Impact Of Climate Change And Sustainability Standards On The Insurance Market written by Kiran Sood and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-08-22 with Business & Economics categories.
The Impact of CLIMATE CHANGE and SUSTAINABILITY STANDARDS on the INSURANCE MARKET The book explores the role of the insurance industry in contributing and responding to the harms that climate change has brought. This book delves into the physical and logical impacts, both direct and indirect, on the insurance industry. Subjects discussed include new technology such as big data, artificial intelligence, machine learning, the growth of sustainable economics with foreign direct investments (FDIs), trustworthiness, and ethics. Related use cases of data science for claim processing, fraud detection and prevention, policy administration, pricing, and underwriting are discussed along with cyber security issues, data protection, and big data regulatory reforms. To promote ESG sustainability, the insurance industry plays a critical and significant role. Climate-related risks are being factored into underwriting and investing strategies. Through their own operations and business activities, insurers may promote the ESG agenda and move towards sustainability. Also discussed are promoting diversity and inclusion, lowering greenhouse gas (GHG) emissions, resolving gender inequality, and helping communities through charitable work, which all improve a company’s brand, reputation, and ESG credentials. Audience The book is specially designed for administrators, lecturers, researchers, students of insurance and sustainability, students in financial services, insurance practitioners, actuaries, loss adjusters, underwriters, regulators, facilities management, utility companies, voluntary organizations, government departments, business leaders, policymakers, decision-makers, investors, risk managers, compliance managers, and audit managers amongst many others.
The Indian Insurance Industry And Climate Change
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Author : TERI Project Team
language : en
Publisher: The Energy and Resources Institute (TERI)
Release Date : 2006-01-01
The Indian Insurance Industry And Climate Change written by TERI Project Team and has been published by The Energy and Resources Institute (TERI) this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-01-01 with Science categories.
Climate Change
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Author : John B. Stephenson
language : en
Publisher: DIANE Publishing
Release Date : 2007-08
Climate Change written by John B. Stephenson and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-08 with categories.
Weather-related events have cost the nation billions of dollars in damages over the past decade. Many of these losses are borne by private insurers & by two federal insurance programs -- the National Flood Insurance Program, which insures properties against flooding, & the Federal Crop Insurance Corp., which insures crops against drought or other weather disasters. The author was asked to: (1) describe how climate change may affect future weather-related losses; (2) determine past insured weather-related losses; & (3) determine what major private insurers & federal insurers are doing to prepare for potential increases in such losses. Includes recommendations. Charts & tables.
Climate Change And Insurance
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Author : Eugene N. Gurenko
language : en
Publisher: Routledge
Release Date : 2015-02-13
Climate Change And Insurance written by Eugene N. Gurenko and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-02-13 with Business & Economics categories.
Climate change brings about a new set of major economic risks arising from changing weather patterns, extreme weather events and rising sea levels. Most at risk are developing countries who, despite considerable post-disaster donor aid, have been bearing the major brunt of disaster-related losses. One adaptation solution that is rapidly gaining the support of countries and international donors is a risk transfer to the global reinsurance and capital markets. This volume, a special issue of the journal Climate Policy, explores the role that insurance-based mechanisms can play in helping developing countries prepare for climate change. It offers a unique and comprehensive perspective on the potential role of insurance solutions in global adaptation to climate change and attempts to engender debate on the role of insurance in reducing global emissions and encouraging climate-friendly corporate behaviour.
Managing Extreme Climate Change Risks Through Insurance
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Author : W. J. Wouter Botzen
language : en
Publisher: Cambridge University Press
Release Date : 2013-03-28
Managing Extreme Climate Change Risks Through Insurance written by W. J. Wouter Botzen and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-03-28 with Business & Economics categories.
An examination of how insurance arrangements can contribute to societies' management of the risks of natural disasters in a changing climate.
Climate Change And The Insurance Industry In India
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Author : Janardhana Anjanappa
language : en
Publisher: Eliva Press
Release Date : 2023-06-22
Climate Change And The Insurance Industry In India written by Janardhana Anjanappa and has been published by Eliva Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-06-22 with categories.
This study aims to assess the potential role of insurance in alleviating climate change risks in India. It does this by exploring the unique challenges and opportunities that the Indian insurance industry faces in integrating climate risk insurance into its risk management strategies. The study also examines the comprehensive research on the Indian insurance industry's response to climate change and try to combines insights from fields such as economics, finance, environmental science, and policy. The study finds that the Indian insurance industry is facing a number of challenges in addressing climate change risks. These include affordability and availability of coverage, the growing financial burden on insurance companies, limited historical data, uncertainty in risk assessment, long-term liabilities, and the potential for moral hazard. However, the study also finds that there are a number of opportunities for the insurance industry to address these challenges and contribute to climate change resilience. These include collaboration and knowledge sharing between insurers, policymakers, scientists, and other stakeholders, the development of innovative insurance and risk management products, education and awareness initiatives, and investments in renewable energy and low-carbon technologies. Overall, the study finds that the challenges posed by climate change in the insurance industry require proactive and collaborative approaches. By embracing these opportunities and developing innovative solutions, insurers can contribute to building resilience, reducing risks, and promoting a sustainable response to climate change.
The Implications Of Climate Change For The Insurance Industry
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Author : David Crichton
language : en
Publisher:
Release Date : 2001
The Implications Of Climate Change For The Insurance Industry written by David Crichton and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Climatic changes categories.
Climate Change And Catastrophe Management In A Changing China
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Author : Qihao He
language : en
Publisher: Edward Elgar Publishing
Release Date :
Climate Change And Catastrophe Management In A Changing China written by Qihao He and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on with Climate change insurance categories.
China is the largest greenhouse gas emitter in the world and also suffers from devastating climate catastrophes. Increasingly, policymakers in China have come to realize that government alone cannot adequately prevent or defray climate-related disaster risks. This book contends that a better way to manage catastrophe risk in China is through private insurance rather than directly through the Chinese government. In addition, private insurance could function as a substitute for, or complement to, government regulation of catastrophe risks by causing policyholders to take greater precautions to reduce climate change risks.