Ester Calavia Garsaball

Ester Calavia Garsaball is senior director, physical risk, climate practice at WTW.

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Climate change intensifies geopolitical risk. How can organizations protect themselves against extreme, rapid and unpredictable changes?

Severe convective storm losses surge past $50 billion as utility-scale solar farms face mounting weather resilience challenges.

Google's machine learning approach will likely keep improving hurricane forecasts, too.

Even a 20% gain in operational efficiency doesn't move the needle enough. The real opportunity is in "connect and protect."

Connected warehouse technology forces insurers to abandon static risk models for dynamic, data-driven assessments.

Half of insurance consumers welcome AI suggestions for their plans but expect measurable improvements first.

From AI and blockchain to IoT sensors, 10 emerging technologies are transforming insurance operations and customer experiences in 2025.

Financial stress affects 66% of employees and exposes critical gaps in how HR communicates life insurance's living benefits.

While TPAs chase acquisition-driven growth, many ignore lucrative cross-selling and upselling opportunities among current clients.