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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

Americans face an insurability crisis as climate change worsens disasters – a look at how insurance companies set rates and coverage

Home insurance rates are rising in the United States, not only in Florida, which saw tens of billions of dollars in losses from hurricanes Helene and Milton, but across the country.
Conversation Media Group, the
Update

REPAIRing from shocks and building resilience: transforming Disaster Risk Finance in Southern Africa

The Regional Emergency Preparedness and Access to Inclusive Recovery Program (REPAIR) is the culmination of over a decade of hands-on experience and deep commitment to disaster risk finance (DRF) in Southern Africa.
Global Shield Financing Facility
Cover
Documents and publications

Closing the Gap: The emerging global agenda of transition plans and the need for insurance-specific guidance

The report articulates the insurance industry’s triple role as risk managers, risk carriers and investors in supporting a just transition to a resilient net-zero economy
Update

The ARC Group makes US$13,3 million climate insurance payouts to the Government of the Republic of the Zambia

The African Risk Capacity (ARC) Group has made a climate risk insurance payout to the Government of the Republic of Zambia amounting to nine million nine hundred seventy-nine thousand one hundred forty US dollars (US$9,979,140).
African Risk Capacity
Residents contend with the flooding after a downpour in Accra, Ghana in 2020.
Update

Public-Private Partnership delivers innovative risk transfer solution for urban flooding in Accra

In response to the increasing flood risk and limited financial protection, a project to strengthen the financial resilience of flood-prone communities in Ghana was launched in 2022 under the Tripartite Agreement.
Insurance Development Forum
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Documents and publications

Navigating the storm: the C-Suite guide to mastering exposure management

This report provides (re)insurance leaders with strategic insights to navigate the evolving complexities of catastrophe modelling and exposure management in today's dynamic market landscape.
Cover
Documents and publications

Typhoon risk insurance for Marine Protected Areas in the Philippines

The Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) commissioned this pre-feasibility study in order to analyse the potential of new insurance solutions to assist MPAs bouncing back quickly in the aftermath of typhoon events.
Update

Loma Prieta earthquake: Is California more vulnerable than 1989?

35 years after Loma Prieta-and following a global pandemic, California may be more vulnerable today due to population growth, urban expansion, increased economic exposure, and declining earthquake insurance uptake, leading to a significant insurance gap.
Moody's Investors Service
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