ThinkTankWeekly

How the insurance industry can help society adapt to climate change

Chatham House | 2026-10-05 | economy

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English Summary

The article argues that the insurance industry must evolve beyond simple risk transfer to become a proactive engine for climate adaptation and resilience. It posits that as climate change increases the frequency and severity of physical risks, traditional underwriting models are becoming unsustainable, necessitating a shift toward funding mitigation and adaptation projects. For policymakers, this implies the need for regulatory frameworks that incentivize insurers to invest in resilient infrastructure and develop climate-informed pricing models, thereby integrating climate risk into core economic planning and public-private partnerships.

中文摘要

本文主張保險業必須超越單純的風險轉移功能,轉型為氣候調適與韌性的主動驅動力。文章指出,隨著氣候變遷提升實體風險的頻率和嚴重性,傳統的承保模式正變得不可持續,有必要將資金投入到減緩與調適項目。對於政策制定者而言,這意味著需要建立監管框架,激勵保險公司投資於有韌性的基礎設施,並開發具備氣候資訊化的定價模型,從而將氣候風險整合至核心經濟規劃與公私合作夥伴關係之中。

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