Released June 2025: The Insurability Imperative - Using Insurance to Navigate the Climate Transition
Read the report here.
As physical climate shocks escalate and underwriting criteria tighten, the report explains that insurability is no longer just a transactional issue, but a strategic priority. For governments, corporates, and investors, the ability to secure affordable and adequate insurance is becoming a core determinant of investment readiness, operational continuity, and policy credibility.
The report introduces Howden’s Climate Insurability Framework, helping leaders assess and improve insurability across four critical levers: risk modelling; risk management; risk sharing; and public policy and regulation.
It also presents lessons from historical insurability crises – from 19th – century fire insurance to modern catastrophe risk – and offers a case study on European agriculture and sovereign resilience.
Released May 2025: Insurance and Risk Management Tools for Agriculture in the EU
Read the report here.
European agriculture is already facing €28 billion in annual losses due to extreme weather, projected to reach €40 billion by 2050. Alarmingly, much of this risk remains uninsured.
Our landmark analysis, published by the European Investment Bank (EIB) and European Commission, is the most detailed financial and risk-based assessment to date on how climate change is impacting agricultural production across the EU.
For the first time, this analysis applies risk metrics aligned with global risk capital markets and insurance regulators, making it a powerful tool for shaping future policy and insurance frameworks. | 