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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

Update

Why educating the industry about ILS is so important

Insurance-linked securities are now a vital part of the reinsurance industry, providing alternative capital for risk transfer, allowing investors to access insurance risks through financial markets, spread catastrophe risks and enhance market capacity.
Intelligent Insurer's Baden-Baden Today
Update

ILS: simple, powerful, and accessible for all

Catastrophe bonds and other insurance-linked securities (ILS) solutions could aid developing markets and countries in managing disaster risks. Education can help bridge ILS industry gaps.
Phoenix CRetro
A women farmer in Zimbabwe walking along her field checking the crops
Update

From risk to resilience: How strategic government partnerships can enhance access to insurance-linked credit for smallholders in Zambia

Smallholder farmers across the globe produce over a third of the world’s food supply, yet they receive a disproportionately small share of global climate finance.
International Food Policy Research Institute
Cover and source: Risk-informed Early Action Partnership
Documents and publications

Getting ahead of disasters: Unpacking the potential of crisis modifiers

This note defines and sets out the purpose of crisis modifiers (CMs), compares different types, showcases some current and recent examples, explain benefits and challenges, and explores the role they could play in future.
Cover and source: Practical Action
Documents and publications

Improved community flood resilience: Nepal impact brief 2018-2024

This brief details knowledge and experiences shared with communities, practitioners, and decision makers in the Bardiya and Kailali Districts in Nepal to make resilience a way of life, finding ways to adapt to and prepare for flood events.
Cover
Documents and publications

Building resilience for cotton farmers in India: Evidence from Gujarat and Maharashtra

This study explores the vulnerabilities of cotton farmers in India. Based on interviews and focus groups, it reveals their perceptions of and responses to climate and other shocks, and the current and potential use of insurance as a risk management tool.
Cover and source: Government of Australia
Documents and publications

Flood failure to future fairness

This report outlines findings and recommendations in the aftermath of the 2022 floods across Australia. In particular, this report examines the three “P”s of flood insurance: policyholders, pooling and preparation.
Update

Rebuilding homes after a disaster is an opportunity to build back better – why isn’t the insurance industry on board?

For many Australians, 2022 was a dark and devastating year. Major floods wreaked havoc on hundreds of communities in Queensland, New South Wales, Victoria and Tasmania. But for some, the floods themselves were only half the disaster.
Conversation Media Group, the
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