Why nature matters: Nature-related risks and opportunities for insurance underwriting

Detalles

This report seeks to raise awareness of the relevance of nature-related risks and opportunities for insurers to explore how the insurance industry can appropriately take nature into account in decision-making processes. A recent survey of insurance industry representatives reveals that half of respondents believe that nature-related risks are important to their underwriting business. Despite this perceived materiality, and according to the findings of a recent NGFS-INSPIRE report, the majority of insurance and reinsurance industry participants do not currently assess nature-related risks in underwriting due to a lack of awareness and understanding of nature-related risks.

This paper summarises key concepts and introduces a framework for identifying and assessing nature-related risks in the insurance and reinsurance industry. It also discusses four different approaches insurers can take to reduce the impact on nature or contribute to its protection and restoration.

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