Resilience & Sustainability

With El Niño forecast at 80% and AI-driven fraud rising, carriers must act now before disaster season arrives.

Climate change may intensify Europe's hailstorms through stronger updrafts and larger hailstones, though regional trends remain uncertain.

Climate models weren't built to predict insurance losses, so underwriters are having to rethink risk management.

Insurance is scaling into cyber, climate and AI risks faster than the first principles of insurability can adapt.

With secondary perils accounting for 92% of losses, traditional catastrophe reinsurance architecture is fundamentally misaligned with modern risk.

Organizations must incorporate climate tipping points into risk planning as scientific focus shifts from if to when they'll occur.

Widening protection gaps demand insurers transform from risk transfer to resilience providers or face existential decline.

Modest catastrophe losses in 2025 mask escalating climate risk, testing whether insurers will use this respite to prepare or relax.