💡☂️📑 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀: 𝗠𝗮𝗻𝗮𝗴𝗶𝗻𝗴 𝗘𝘂𝗿𝗼𝗽𝗲'𝘀 𝗦𝗠𝗘 𝗰𝗹𝗶𝗺𝗮𝘁𝗲 𝗿𝗶𝘀𝗸 𝗰𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲 As climate volatility increases and protection gaps persist, Generali's Lucia Silva tells Joshua Geer how insurers can help SMEs move from recovery to prevention and resilience. Almost six in 10 European SMEs remain uninsured against extreme climate events, even as climate risk awareness rises and more firms adopt sustainability strategies, according to Generali's latest research. Not an InsuranceERM subscriber? Register to receive a free 10-day trial: https://lnkd.in/ez6bWCF2 𝗥𝗲��𝗱 𝗺𝗼𝗿𝗲: https://lnkd.in/dn4hJDRd #ClimateRisk #SMEs #Insurance #ClimateResilience #RiskManagement #Adaptation #ProtectionGap #BusinessResilience #Sustainability #ClimateFinance #RiskTransfer #ParametricInsurance #NaturalCatastrophe #PhysicalRisk #ESG #SustainableInsurance #Underwriting #ClimateAdaptation #PublicPrivatePartnerships #ResilientBusiness

Climate risk is no longer an environmental issue. It is now widely recognised as a financial risk. Companies face two categories of climate risk: Physical risks: • extreme weather • water scarcity • supply chain disruption Transition risks: • carbon pricing • regulatory changes • energy transition Understanding both is essential for long-term strategy. #ClimateRisk #ESGStrategy #SustainabilityMatters #ClimateFinance #BusinessResilience #NetZeroFuture #GreenEconomy #RiskAndResilience #SustainableGrowth #FutureFocused

Climate volatility isn’t just about intensity anymore. It’s the uncertainty of where the next event will hit and how big the impact will be — and that’s reshaping portfolio management, valuations and long‑term risk strategies. The effect is visible globally, from atypical wildfires in Europe to flooding in Asia and severe storms in North America. Aon's 2026 P&C Outlook breaks down 4 ways leaders can build resilience as this risk shifts: https://ow.ly/CFIB30sW3Lq

Being "Net Zero" doesn't mean you are safe. For the last decade, the corporate climate conversation has been dominated by a single metric: Carbon. Scope 1. Scope 2. Scope 3. Net Zero targets. But in the rush to chase carbon numbers, a dangerous phenomenon has emerged: Carbon Tunnel Vision. This is the tendency to treat climate risk as synonymous with emissions risk. It leads companies to pour billions into renewables while ignoring the physical, operational, and regulatory risks that are already hitting their bottom line. The World Economic Forum's 2026 Global Risks Report ranks extreme weather and failure to adapt as the top long-term risks. 🔹 A factory can be carbon-neutral, but if it floods every year, it is a stranded asset. 🔹 A data centre can run on 100% renewable energy, but if a heatwave causes a grid failure, it shuts down. If you are only measuring your carbon, you are blind to the storm coming for your assets. I've written a deep dive on why "carbon tunnel vision" is a critical financial risk—and how to widen the lens. Read the full analysis 👇 https://lnkd.in/gR6vd43w #CarbonTunnelVision #ClimateRisk #RiskManagement #Strategy

Your carbon footprint is irrelevant if your factory is underwater. Climate risk is not just about emissions. It is about physical reality. 🔹 Physical Risk: Floods, droughts, heatwaves, and sea-level rise. 🔹 Transition Risk: Policy changes, technology shifts, and market sentiment. Carbon tunnel vision focuses almost entirely on Transition Risk. It assumes that if you cut your emissions, you are "safe." But the Swiss Re Institute estimates that physical climate losses could reach $230 billion annually by 2030 if adaptation lags. Consider the reality: 🔹 A factory in a flood zone can be carbon-neutral, but if it floods, it is a stranded asset. 🔹 A supply chain can be "Scope 3 optimised," but if a drought destroys the crop, the business stops. If you are only measuring your carbon, you are ignoring the $230 billion threat to your balance sheet. Our recent article breaks down why physical risk must be part of your strategy. 👉 https://lnkd.in/ga9deiBT #PhysicalRisk #StrandedAssets #ClimateAdaptation #Risk #RiskManagement Evannah Jayne Madeline Harte Marissa Gailitis Katherine Rocchio

Climate volatility isn’t just about intensity anymore. It’s the uncertainty of where the next event will hit and how big the impact will be — and that’s reshaping portfolio management, valuations and long‑term risk strategies. The effect is visible globally, from atypical wildfires in Europe to flooding in Asia and severe storms in North America. Aon's 2026 P&C Outlook breaks down 4 ways leaders can build resilience as this risk shifts: https://ow.ly/2lFc30sW6aE

$2.9 billion in insured losses. One cyclone. And a property market that's still softening. 🌀📉 Aon's 2026 climate report is worth reading closely - not just for the numbers, but for what they reveal about accumulation risk. It's not always one Black Swan event that drives a big loss year. A series of mid-sized storms and floods across a financial year can get you to the same place. The risk for brokers right now? Clients see cheaper premiums and conclude the threat has receded, but the data says otherwise... Here's here's what you need to know ahead of your next renewal conversations: https://lnkd.in/gDtAb6e6

Climate volatility isn’t just about intensity anymore. It’s the uncertainty of where the next event will hit and how big the impact will be — and that’s reshaping portfolio management, valuations and long‑term risk strategies. The effect is visible globally, from atypical wildfires in Europe to flooding in Asia and severe storms in North America. Aon's 2026 P&C Outlook breaks down 4 ways leaders can build resilience as this risk shifts: https://ow.ly/tYmC30sW3Ls

Are #insurers' capitalization and risk controls a match for climate change? Our stress tests show most of the sector globally could withstand a 1-in-250-year disaster. Read more: https://okt.to/rSRXJx

Are #insurers' capitalization and risk controls a match for climate change? Our stress tests show most of the sector globally could withstand a 1-in-250-year disaster. Read more: https://okt.to/rSRXJx