{"id":76,"date":"2026-10-17T10:41:06","date_gmt":"2026-10-17T10:41:06","guid":{"rendered":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/?page_id=76"},"modified":"2026-10-18T23:13:38","modified_gmt":"2026-10-18T23:13:38","slug":"insurance-and-public-pools","status":"publish","type":"page","link":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/","title":{"rendered":"Insurance and public pools"},"content":{"rendered":"\n<!-- Nexus network page \u00b7 https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/ \u00b7 source authored \u00b7 generated by integrations\/wordpress\/network\/build.mjs, never edit this file --><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-fig-engine\" data-nx-run=\"fig\">tX1td9s2svBfcXH2XhMhSEuO620p0zq2k2y665esnbTpqro5FAlJrChSJkHJqqz72++ZAUiCEiW7Pc+TD7EIgMBgMJh3gMYwj30RJrFBV+HQWIRxkCzsb9\/ipw\/hiK5SLvI0XheNDmaGKAoPHkQaxiNDuK47T8LgoPX8DL\/jPIq6hDiC2imfRZ7PjaP\/Phox8t\/edNYhWmnvrI\/lkagVn2PhqF5IsPAxT6C4gucnQzCPruZeehC7t\/l0wFND0E44NL4Lsw9hHApuxLQAmfyWH7fab8ka2nPXKyHvHjteR6TLYmqxLZLrxPciriZJeGx9eSBsNQ3jcJpPP6QeAvAuHIUiczibek9N5Wu69j3hj42U6n1\/CJ94YHC6rmbCBaAWAPPcG0+MbW+Qqal4526b\/1h28JMhjtr8R4bF7Va35bSpSS7Jumh6utH0VDb9u2p5U7U82Wj5lrWoSSZlg1ZLb8BatKyolbfL8lrxsSx2XbdsTlpkrbV4qy3lH3Ipw6EhljOeDA\/gRVJUk7JnzxBlvySMBWkCEer8ZDrzfK0eUVxWp7OqRgAy3nZlB45ac1yFNMnjwBAU39MBi5HY6oN7dF0bqpzbL1DJYsblCqeuwa2YHhmeJZ6f27QDhblbbsWgIhbTCCxB36TrTm6H8bypjYA2MT3CNoHbE8zrd3I7dXsx4\/BLuCQKY9JR7fMKLiE2AcNJR8nIEJTl1ZNHWVAAnVtpCXRWARTpQJcv4o+p92RErM2t9jGlVkrfBOtOVp9O9Ta+wZ9mRmoaEQwYUGhdTCwrJ5bhxJJRObGsmpjXPDEApM2EHfF4JMYwQyO2PHqUssDlFTewjx3eMD0oCV1hh3HAn+6GRkSLkT0zfxOa+Zvg6BhgHSzc\/I3RtgLayexM8JmbdzJ7wpeZKxqA\/VnCKgfgrmcJZGAGP2+VrKsn+ms5EX6kTSV+fv6+XKhZsjDaLYa\/h1GSpNUypFS+dX3bblFYy\/QoVzM0gnP3+2675QTn7nH3e\/jT7h47bfomBzCCs7b9PV1lbo7jR26vz0I5ns\/DyBBHmdXm1o\/0TdYZJqkBjXw37Phnrmdmb9rcOu34ppvRVWTP8mysbyv\/KKNvMrNVbpuoQkqK\/BDxIDQ8HLTXkkf+bLSYYCeSDGPX63lqVa12v8BxfCa6sWl4vXbf8nqtPnU0UTbSRJm+1d+0W\/So3aoaPtWXh5wRU5RTTQ\/C+ECyrbvB79wX9ixNRAKcwh572d0i\/pQmM56Kpe17UWR4LKWyp9z1emkfUJx\/V1Ae9gOPIETLh6EXZZyuuOmSA2Km5qFLDs2ZkVPzkByu4V8x34qEuUmOzonDTXJOzNgkZ78dEVPAUzWxv23ukRXxIy\/LiEPiJ2s4sbL5iLB5yBeXyZNDWgetA+zjgJgeW4SBGDuCjXk4GgvHY2kScYeE0xFhw8TPM28Azwg7YbOUZzyd84tsxn1x74kwccjTTRj8ehMGB1POBVmXOM0Bp\/z5ebV+PV45y4FGennf5b28X6LkySA4i5TFGj\/+h642EFKOzN1Wh58V\/KHDTZOuYtM1eJdcE4fcEGqODNHjfSAmkzBSPLb7JQ173dgk\/yE6qQWabNdGi91WJ65Gi2E0IPiYrjzTJTey97g+WCwH41HGsdV1cyurje3MXfWylxLmCtZ\/FUTBUpZLoAOXEJaxCAHP3FYnO4sLoDMAOnJHhmfEvaxPUWEBNZAMCF0FpvtkgPDhhK1I4AnPmhKHjNIwIOyp7UTs6diJ2LLtpLZgy2MntQdr2pGvCf4kaq+J0J8Q9gQvQEOzfcKwkeXF\/jhJiUOmYRBEnKzZzPgD4WGcUoWsl2BJbYQmtVOAJwJoopdhwalGpJvakXUKL5unbOlE5lv7+w3gipaExwFxSCa8VGxBun4F9rynMGuAOLUHJQahm1zqUvXOtuYReQMewUSwF0Tr29YmWgFigDSv43J3ZxpWyo6F1W7tQolERn0gbQePNubPM7Jmgbafc6Exc2ELpHNhB71Wv\/zZ7hfUb6f6XrBT3AplX\/+p9mph4Tw\/E0LtbBaFwiCMSKVc7YCz7yu9J48iBbUB4gZnl4xIVwjnF2oo8wSkEWXlw7H+8FZ\/OOlTDawLjYcIe\/H8\/P1pi8WusMfPz8enLcZdYU+fn3vtH1j7lL09YScn\/Y5i65HDe2\/7LHU8i\/fafSYc3mv12cCJLd477q+V\/mkI+8kWG1BDGeCRyR\/tPgOyS+1USt4A3lo2vLUs3loWbw1YaotCbSSERSzsSG0Bxw39Sfb8\/HPDgKeUJS6OUrXZ7F4pAkNX2AMvDrLn514f+VXktjrR2bDgVxHwK2g5cIe9qM8mblDpqGW3A3sJatKyrAxjoxxqYC\/bVA63cAf2U6uSukDvuQFllN1CXVuvS2VdG+lncr6kqwz3Ucr9+j6CGRAmnyfq2SLmwJ6oQp84A9tXD8OJNeFLKJnwJXtyRsaCsqUzMpZUSWlNDW+xW2tBaSG2R8bEWlLJMAY27l9kGxNred5+WwC4tdEBILXZNSgjBSOCYP6ggDDbbyns6aJ7ul6jCvfZFfa8aa0+b63VvZsbn3tRH\/H6qXxo084OBM43MTgfWMTEtzQU4rOP4N5TyaOaEPbJutcRltoDCwh5jcuIfSi8vYwsHMo8VYOZ7WNAjNYFXa8z0\/2XQQaE5czHLTBkKf6VLcx\/GSQiLGAJ0r6sXKpKpMmpK+yMpyFHvLKxW0PudAu5c3cKG+GmaBe6rU54NrdnIivahkXbaxfLeyFoE+yuemqjInt97ha7F6no+swtNjFd3Uj1v5cb15Q1bbrtnXZHKQUtBajzpuC3x3TlJ7EI45xD+dz2Uq50uUf3xs6i0OcG7Tyq4W56N5VhAMOk9qCvV7e0UrmCM0+M6xIn5Z5OTZ5FzLlOSXPbZ4HzD+ORiTTnsJ929CSFedVT1NSTfAi8bAzP8LdLoF\/igIRR1QuoWzw\/a0UFI5gjIwicOdqe3UAYN9T5h3EDJAtoenhpqR8kcrS1NokDgJarTddj2WZmzCXxPT\/P7Qk1yTMxjbntPz+TMJ6QsgAhIWBaRFXhsOKOBMAeypoH+\/ckjA3SIZQiq7gA2ealE55u8oqLLXK+ckdGblwgg6DFitYVCNmVvgxTi5gXG9wBn2Eenu8TJlIvzoZJOnUI\/ow8wQ1iXpmEtShZs0pRe2o7LVDLWkqttU5KtcyUcCG+uk2sYlryiavz1E6tv7e61qlzqtjF8Yb6VLbZUikvNJbikAKN30BbmCVhLDbR+G0Lje8Qjd8UGtl7d2QE8nFZYtUPUz+q66ZBInS8zixiftvA67caXuuUK9vyJfOfnHfMXzrvWSoL0+fnE8lxv2kcFyD96L5DPLTbrc4ODgwWYpLXIYsq0J6cj9131g\/OO\/MHtnTenyFrPu2+N9s\/OO+tHzaw\/nEb3d9qHBy0bttPkyyrbPcmMsQmhI3DIOCxQ+TfvaRUEtJOwTcOhVTmow15BhhK7ahRjm3ayq9xA3joBohV\/17Rbay7AYiXhp4lSdoRtghFxBXD2vYQCG+AfjVH4c5VuOtCe4e0XuVDqMjJH6NFIezYm\/Ln5xrjHU6sp4w4uTByWhUtZVGgFT0NiaN8viiJQcnN0CYgXSzYqlVe4W5hOUA5deo8Wgpn4owVm\/tfQtcs01T9m5qqn6Qhj8V3rkvmBBX+NFlI0c6lIXBy3FKKPtZ9fH4+Pma5K+yRN6sY7A8OFiilHc0Gw+sawp52hT0FFg9\/jvvO8Q\/ULMz7N0Zq5tQ5Pm4VejsaGYbX7Z2y70\/Z8TFrH7f6Tq99ytot9rbFTlp92TQCsyOTZge3Mml2ZNLsCKysNDvCysX6AZWGD3bGR5mc\/+9uq\/SW\/Oq2Or+eydqCXf0K7Op305WlvV\/79rwg5t+LHx\/s+bq0M6ah5iNrOViAxsXUe2JDNgAGk7iVOy5RAAzhb+X1GMK4SeVTTlhoxL0hGGyJmwojkQx3At4esBXlbJbuL4bPEhbZEYvAgEJOAeZ8xSgmhfq3ZKKyd+CtE8qEPWQRk69cI7tZ7wJOWicAE7t1I1uYQ7mW7LO7rHQvn4GZcw9g3jezzrSUSJEdWT+gSn9rpkfH5gnd5SZYFLwQJrjQlvOTwubAbXUGZ4vaUg4KqKeurOgNQHldGp8om8Mfc2rPqQKzwWKqyXPQ9hf2xCQWMae68JluWU3T0moaS4PlttFqmltjy9iA2Wp3206LVsZBuqadT6Y7tedr6SeB+dyUCA9jY2HPWYuetboLe+5sLMN1FfdbQkNqff6T863muUAJm51Ik6Mc\/oZ9pvtmeV2bi5Rkcy\/KOVKbRqY7qGW+ZRTOFWQAxtIIjQWl0v6pyEiSzPwzf6pCyd0\/sC1QPHVUJaXr+71SryW7tfKj42J2vJyOma9pZ9IghtNksamGLJAmyjIRzqBMhLOaug3TS+X01uyeakt+VyjYTTvzTirOsDXtieQTj64njLuCLzBhz7xAj0YB7555AWUPJQcZsMgWezhIRNjD6zjI5AUvYyS9jJH0Mo6MBwNdI8fFzzXt7GNCF5IJXbmPxoU9oeyb4okXGl94V+MLF8184b17UfKFj+6D8c58b88p+wI\/aefbq\/fJheIL7\/X98n6LL7wv+cKVJNdyE31kX2i1ex7twULTqrTNVO7mL9ZHCszjopF5rGnnnem+r\/GMS\/eh6ukCeQZlX8vCMC4K\/9y8NeOmxh\/UDC9fM6uv1iXAvP623y8+Mq5M6AS24tKJXvLWX+gio8Zz6Orbn+E1F4rX6KMDoWozCI0LSqn1Pd0LTwM\/ulD86KLkR9\/28qORcWUZj2j6WojQAhlCwzPUapiO7IEVSe9SE7Pyk2iTWV1ozAqw4EssrNm3yof+N4OzgE3Yao9KvlN1HnhpRtaafvpQ009BHUW91E+iDHXSaPH83G63GCikIpmBfxr1UX\/x\/Hx6wkD79MfPz29bLHOPlbKImizXFM\/czCgL3dT0yqLAzKhp4ECfAfDuiaP0Uh\/8yQkb7uRE\/kvUykFBgjHNXK5Sav24hz6QexcWHwwKimJyVsDaSSo3c2omEvSO\/5KKxZWCNTCDvQqW10vK0fcy3wmgmkeRkbAhhYAqW7rlTNnCnQDtyPVX0NXJbQwvb0nHDck4aZSMY4uYCKfktlLcFQwoh+CPnfHIdd2ikVM00p1daA1v7S8dKh8AQGbWliu5lFt+UDCzvNhcAUufnGPwwkxsUdvchDiNHMYrRwFfljOxw3iiJoojFbSye8U0kpGD0jLKBxsHyXgndZZ0AYqN9BVrb9Fqc0csZP5f29xj7ona5r6tbW7gTnJ3Q8TpWIaZIOJ0Irc3RJzACATDr4w45WD6pdL0i61Umn6pNP24lZamX+ACB2hBIKjupPa23FG+6\/Ui9DH79iSMA4xqehmHwKbr2\/NOqPy5LRao6PhBrbFIhBcRutpuh\/0nbmBqrYNkEZOuVUpw355Tp\/ZEyxFLkRywhLJSzsBTn3YCN1lnlaGYsbAXSQdqBoZi9qZtt34oYld7kDCUo3nosZJa4wC0xiHL7Yjldsrst6eUTdxfjBbLWG4PWG4LCGFJZXDCfsYKpQPmNR1wL+oX7qAYlt26E6OYAPtcPBQm\/z0uEmxG9YLCZj4jXRLzEXFqxRLJZJaApymMJ8eEdpavUmcWyFvqbsV7PfKlWTeDHZpMm322bqmK4lTzttqFqdoA62fnFs15vUZR4Sf3dr1ZVdAc1C2btWw\/iePazPxqak9tjKPJCTwdqwepL6Am\/kmp4Z9AH5Om8zbezWas\/5YfH7ePiUOIwvkr9KvFXAOuhK1ggbfW6T72NzX\/MMod1ICmbiDhnEslixa0MExSHo5imQQEPlEY2DIkIqxBpVbl9sA81Za9pli9PVmzw7MgnB88TaM4c8lYiJlzdLRYLOzFWztJR0ftH3\/88ehpLKYROUD\/p6vcnwuJiHPIufIqTy\/mVAXh\/JxonBjyZpZ\/jRMvPMHToRdFNXb8uBn2Pzkuw\/5vW1rY\/xTD\/qd\/Iez\/y54YPwuwelcwn8lAfqfIjHzMva1wbtjAzHNkHBjOTcqHNmVDN5APyzZlg\/KhtdPfDQNqmkBYRXR9SZXDihMklq8xgoE1VJs\/\/NMhXHzDe8IsYtJNrFPHL5wasmops266A+vvzhAC4Bsbo97BVjwh3BURfiFR4nu6L2L8YgZFU0QZNZUg9EYFbrZYGFQSyazyEiaqWFRQDkQVD8v1jAoFdwEDLRwLwf5Ga6lzS\/oSevgy0jVfiFZG\/d3BqlktIpRZxJzoEmVS2sh1\/XeiGVxJDM9JXAvQ+k84zwlGzvwlzmcCcTOWOhMVyapYBiTbZX+NZWS+JwRPawzjm9BzGw0P0yiBcfx4ynj5jElDLHV\/iodwSGLJctcqfwe4ewO31Qmq7MQAMFukUYexkTLRC\/q0k1fKTS6LMPnMdd2UrnI3NWXCboaKSUMSttWm7JjF1gllkfuLkbKcceste0srpbAJkkL7yiBgExk4cF9KQb+cpZ+nlZJfDeh4UNORel9YZgwkZZc6bLyv17RkwUsBs5mXTrZCZjGGzLgKi6lwnyMJ57Ups3EScxki3EotyDazFDKPYFJCUiQlmI2vbaYkZJF8LVRvNGycbCPMmwVEEn1m+AXJw5psOsPkfi5wy3zI7oBNcWyfrPVct0zUU66NuKTidgsMj6aO20zQF1cmRE1yY2G4SQ5Oyf+jddkSUSL1pJMBrLjWpl\/6FIzStsT0S2pvONBEnVf67\/R+RwZ\/k9LNzjXUXtf0iYBHwlM4OzzLZl5cV30ms9CakwMJgUsmxW8RuxI\/qBQpf53UiKCTcwJumjwORXdXr3nxKrTS34R0BdPwdr4YKBCCMJVp8J4dhOnzMxlGniCQEi\/rR0kSQAPDs\/FnEU5Wy+iUxTCPgn2T2MMupK4nDfYt2MAq9gRvhHAWRpECABtJENUb2PNZeKDRWYHGs9+OwnOtKfgXMet0Y\/RqIa9qC+knUT6NpaWeJalQkgNOK4gx94LzM5GeQxZ8jhw1dVudtLL10kJqBngmgWVugL1USCPOoQQbiwGtcTeWKa4BiMNu3Gv3z1td4mU+jwOIkDsk4NoD7hD1Bw8uKMdfoNJhZob6RZ0mxGapXJTAzmCx73nkiXDOD7LwD17DUoeb7uGZGB9kfjLjLnpM5YL4SSSXAyFGGEwjsON82j2ULeJ8qhbkEJc6w9MTxgYyIufwbJALAeenljCEfFCjAKwKR9pI54dmhEDKtucKZDE+J2s41wG\/03Mskas1SILlOdEWSzpat1YsVB5YOEqCHYmUmEaIa3J4oOktEqCwAOigyLdwSYscQNKGi5Ewtco84r7ggat2yyF0mcRdRQR+nqY8Fjqu5NYI7WE5ajHgEDFd1GMnhROwhmyAraiblNBWLxOFjtxtdfKKdnPdRZT3GUh08A9mPR\/m2mdDN1EHaroqWwMC\/CSRBmU3cVbCSdbwPyHSJBq4xtDOFt3Ds3CDCBcFKUn4oBUic+eOljMb2qkXT8pTPo2cA1pIEpett\/mObw+8tJsJYwg\/9DQGLGBD26fO0AYW9Cd4k3zhNaxpaNeZIZbUnKjQAqebTT04BHyGf8+JRBX8Vh3IYpiWItqAwPz2bEU1e1UL86\/VDu1sruFXzXJeLtNcI8Kh7Tc09qvWvt4cOMBAbtagtlmr32qvFmJUgLpQRz0WVQwCHwvRALq8YkZC8UK1zfChaKaMOR0sLsGCzvRjXfeaZDg8C6I6KAF4MvYeQZI6F5wR6sABI\/CanJ8FApeRy5MT4PkQ52cBLBu4EjRWk+SK90G5hnVwRZQLU5EfFNdnBWXtYpDgvHCylEeVZEWkz\/hO2Ty7FZkdcvk1ZO\/pRF+NeVnHcjivD4iHj1NesFZFANvL6smFNcmBN\/LCOBNwxM4eVMt9jn1XDPpczg6nMlbAqmqpBIAA4WmhXsGTVCQOi0k0dVAJSI9sbsDG3s\/CGieEifj7WaE+3VdDM\/iL0AxeBc3g9dC8AIDsLwiHw2uZDE3ehcMhT3ns19STgpq3NqAu3PVdKIW73IqHzaRQFujAyI3aNK\/tmfByb0xc4nuHZlxq0XVFX27Mv9LpYF+nx3+q00PgJSclLwkKPnLSwEfe9htwv8FJsKjc1u8b3SfojdHcJyIZjSLOUvfwLN\/grxEfgTvvHFXkw7MobKq2hJx7LMGLQiUMyxOwqOOILR0ncAXoOJl7+ALTKnRpUF79JMf80VLeNfBHbEPqTBzLnE01dlb0uKmgKH3+sLYTA7kPUdHOxt6Md9VfyGfNHkkpEaCseAUfisXErlOQQ4Al0wC7q1H7rluKfElA5a7kklwyRSyVmTjfUNQlVsHGz7i0HwM7ibesR4lvhZKsptk3mi8FPEZgDyf\/atbNVVWdijMNyxWxFCScYkkOwhCPVAl3hZLGuRIsiJx7wUDwOXeCKXnkXAomSdB5LxjPfGfGhnAZifMTU\/dlOFyw4VQ4f7AojJ1fWJSMMkcIBj5wxxMMXcjOzywOfX7jPTmpYDxynlg2Hzl\/Y+Bfcv7BIPjyCX4GgkGc0fkX9MadC+gnzZwbODjuCedBsDLu4dwKpjyazqNg6ERzvgkGPhsnE2wyCy+TYOlcY7OIf0iTqfMfqbL\/0+2RJ8LIkjCCnhDCiHSCEEZ8qPGhCtwpT2347xgaw68l\/IIYQnnCg8gAylC4R1b3t+DNb3b3t8A0ug7vWWYfftPu0SjslDzDF9tHRqk9xXtfhqK6JKLr2VNvps6BUqfXr9jOJ\/0Aa9uqrnOw6pekvKuxp1Zn4yqe6sKcoWBlXnV5vt\/rxaZZxOgNXpxotQnttfvykGt54Q633xyFDIoKk7M2lHZjQvpm6\/YJ8Mfl7C2l6tqJ5jrdbf3xtRPDNen9FrC+XJg3R6OdM2W7ZqmmJFnqT+B0LleJl9d7wEnfs1Y3qIZmcAkRoU6gQ57sWf0GYLfIoQQ+LglAHQGOt0am6zrZjEtHKdwbUFKQut8IvaYsdVdrlsN\/AcvKbKsRF\/dJIm6TgHdrT4Y6rhC6UTey4TajOX8f8SmPhYpuoC2NgTN5wtyG43iguxohpSvfDaG7CyHScJDDISnlv6TPz401ijtSeSo0wSgiT5cP6IJI0osoMkhP9tFXIlIGBJJaQEBmUCS9oL9jeDZwV2vtCoN\/1q4wkDGj7df\/CZca4Hnd8laOQQ8K++5kvU57w74rDw3Am2Mv2xxYxITSVQ7tsAm4FK+SWPBYrNdwlUzM04+fb65dD5NbioMCG0gwDnuVX8Q3D0n\/kD4\/72hUyRTVEnpe4lotbfRn0xXcdaUejNUs5XMeiwc\/TaLIAclWXlv1jq7W8vwlt1Me5D6v0djC5XagB1lOjlsOFuENNota41u4Oubz69f389b63rufe0GffXLvd63x1E17nzBPaEpX+9Z67MIisvlmV2PKbtxpb4x9zPWbWG7qt7TgY3Eq1ocjluwO\/s4R3ddqQNd174rbhlZaOV3dypjSikfOPfOEM2YXzjW7dO6YmEXOfE0793ZWg4zdULzsBeNrvU99DR6ZRH6vUxd7cBOB7Si7gJ+PCNhDBdiFDtiD\/qB6f9yAEnpH8mAXzgO7dC4Q1EcEVRvZhdcR0CINi9s8FjzVjg\/UpybXD9ugIAbVCqf53W0JlkZIV5DtWMY7gUah6RVdXbnv1jJVXIsKGe+sK3q0oOyj+0kY7ysl+4vb6nw5K0bofClI49K97X3ps69F+BHKPritzoezS7s8b\/oBWn+V2Lm0L3of+qZxaV\/2PvQt+UjffMRI6KWMIqwubR7VsPQe7lm6tAGFH4WBP9hXlZKGjWsourQ9wbRX3lWvSFS9P8PL1x5znomLOJxCXCr+kHpTbshE4B01JSK\/bATdYM0F49MBD+B2H9z8TszQfeKs1izjkRQI46SQDHBuD6r8bC5LZvFI\/sjmo7tcNRtDMgVPoeW6PLhW52TEVn6zcAYuQtDASzEZMp+uDLgFSHbTC\/tu7QnyT6hcGZ+uO9zm01BsvC9FzdZr5XrLhNqkllALPDPpDfvQq+SOA+COUAymfzaDsvfASY2YLw6u8kwkU\/lM4idnOLGIGbJVwIUXRo7PBvlgEPFM7ihQvpOMB4r91kbocPtRg1+76KSOtRBn++i9oi1wXdk843XcsISuuAxCAWb98lqNrfcrcQN9kEMzVOKmQKI8zjGsneQY9gb9jc2vW1yEKRUK2zUw+Tmh1HULRcunZeROGmbFubv94EZhwNMmiJduq7M8mxQQL5ElCGPSW\/aZT5XI29v3Yszj\/1FdO7W+b91W5\/ZsUfR9C30verd9W5nw+LtZP4JOCf3OdUNMk\/aRNeI6AWkbxB978QhC9OBLdkKG4VjHX1OknRHfpP5S1S2XuRTgvlOVwsvgCdgkj1dQhPICv5oidMbooz7VSCqVA5ewRGmMr19szYaA8f52xNAvWqhIRakteCZQl91HFkATTYSMuJcJZD7I6w4oTjGAsAONMiYV1s8W71LsIHNBQ6wTop41LMXjGDKCfbYq2XWQp46RSK9VkKcMhWxZgk9r2okM2hkJY0iLnECwFmR2dofbOGidgnLkDXJyw5Rn40b+GnabZtcL+07oqFvd4FJEI6d7Ga+knLwHzBdu7HkZPdCyWtjvBvUrQ76baM9yfTVzdmL7EZy4\/gXcCPL9pda+WE5jwgbGkk0oLnOnujv3nkNM+m6ASSIpXYEsqJcZ2p27RQxXGxP6KjNlQyugcOWJWt\/AxRXP6Mr3Yp9HG\/I8w7TyRlGvjSlXVS2cgTJ5BXTSUtSBrHQN5jm1Ewlz7TbTSIN7ly4vjZA+oczHtfXdVsevckH9Yl0TN+z5\/X12IQRwCxveIbTX6qsgLciuqAvBXPxlB+EU2aN8CgM5j47kEdweJ0I1HidCawxPtcZLqaV2UHHN1IVIQ30YqXAO6GqJ2SNSJR\/QFU6lgWMlcaXWon6HDVM+Tea8oS3qjZPd3Y0x++qV\/UFj7HC5u8MgnL6+Q2iMHTYsHLjpCcW01mRBGges5RcQNtgS4OsK76IJWNQ3IsKaF13BL3YAr16Gw7q2N5tFyxsvnWRuhIoQwLSDS0taK4d0XTcs7ngoR9bVEklOiqiwhesXd2PjhRZD+WcVhFMnZGHglK+ukRsXol1CRVjVUAclDJR6neSpz53k+ZnkIaSDdoCu5zuFTh2WRiBUIoTcNzv2DMG1NobdYVk3VOUduSMU28I33GFtZgifPjHoZt+ERDjbmg7sw\/Jq7UItSguVCiiroxmOQ3X2OJEBHboaQlwhE2kSjzBiVFRIp7sqX+MbEIdTL0DweUOlSWoBvIHmUZIBvEG\/M1SxdGIaEy1krgIlk1q0nKiAu2q5L9iD7eH9emAepzNpDKQPZdoChtBxanEiClzMFBqwCN+cQbRB81MNOyV6dZZZk2Bs4aZ2MhxmXD3fls8f0SnfkRfAhWb7xFycL63TbmgtrPaJAyXs3vXN9gks1L15e170LN+0Tunq3vWtW6t9vE7tTCwjbpeue7d2OZMm1MuE0VO4AcEksye2q\/5e1lOiaO6i2XZEp+klvBzGoyuE8J77AglchJC7JMH+aoEyMxSsKPjVSuBULPMLov6QpH9uBDaUPtY9ow9xTDW0ObQxJnJ0zIYwtATAHNoyQnJ0rGAZhwH\/rG8y3F\/pxoZClbbinUblOa80hLloupd\/Q1hU6vI0BC8p469o6T0Rdfdi6vLzuNucCVzetUnxxnK4t5xSpwXxgPQN3Gpf3sF\/TE3yX6QjdqryMVwPofiiR2l5f84exUeM8+kAVJ9sf7thGEV9LeorzzMEtbMMARwFqcGGJcIb3XpTjp8pWPD0ysu4gXJXZWt3IejlQEgsl2clpL4G173Vr3oDz8fG3CE2livj6mdRGCi\/cG9ygxcKVXfyd0G3VRXItyu33KiWnrqNBAxT9moJUToqZFqE15AR4fXiPktdbvtRkoGhpnxFBK5B5zsUSZl+Uyxe2k3tb9+Gk4cklS4pvOcciT3o5X26igWcl+\/leDMg\/sXLkuU5huJt9UdZy2QYRqA7EzPvY59lx1ndb5yVPuUIRsnQp1uiLd5wwglbXCZByOHiJDRF6v731L1IU2+p3Y2NhxnUldhSZuHR+4YFGPeKNBsg1cC12izTwiN5zWWOTuGsUU+HBFsgPQ+O4mIjSNP4CYJoHXxs0v+SVBAW70kYVnrc\/g5UNjGqjMFZ+ZEJkAtJKiqTJ2JhkSMaqeTQQM8UDVTE1\/W7ftMUszkmuLKBm3STPQ2UraGYzxBO36rfg+K+2DC79W6NCS20xyG1I\/zQyJUM0BuqfECpI9suaddqOxNrWfDZxZtY3bkiVyqtrRTyZh4HV+MwCowUwlcafUU1xqxTV1d\/QMpx8Iqx6gIumYccb6Ug53gtvRH30mY7DiJ\/qNQcELUB8QMacNKxCwLFyauQa3GzHD0HBgA9KsnzXaA2KTfddrEVRQMTUMHNPUxA2s+SIWYvOrEQE5hKUvNkNdmzaO3onqzCQqD6Fh\/UOONoh4GDV8Qh4lgMgQjY+15103TxBZvCMP5fjXfKdeIN68QBoeqNZ9z0vX7xFYi8d9Kv3XPd2ZJM26fsQjdD+VRa5xgWrkJMx3QVqLNTaiOEoKey8qGNp7bWsQozYdKSkwPb9Z0cTv1BIomT947xMu2MsKGT997iA+lKrqq2ieoSaintwh9HL2IzkWHcvsRguSAfNvbETGSI7ngj9nRw68kz3mduLG+NrdYDntv9dfUdgXaHV1uFKxaKb8qPB8jIOZ5RLj9sc6Yqu3GPy\/v7nVh+XEAxe8OzVFWrT48M1bwqw8+ylCCpPkxDdWKVRfA9mRIRvVi7H7etJRdMt76h8h84TNNIsE8ZKHD5nhZLaNGp22uKGzS786auuiFTefECoKUtq14d16KdYENMVOk8rGYUjIwUvggl722lipHsAloeuJRMBYHpZX112Hkg4KM4PsS0k53vPw1JcbdD0A0apLBS1yCr42UnOciHGJM0FB4kj4e6SsmbuK3OpGJMk2KrLt0Pwgh7kz6LN76PtaSae9NX2xVayhxC9oexZPg4pPKv36eVxpQXt0QEiZ9Dlojtp9wTRc7I7YPRcNb+uNVqHeEBvRIDncXGAmLWVqupYlkq5NVxYjh+unGNdC7PDS8p\/tvqBkLNb+3jhgHUETs1WSAtXaQuigvMbyFDxoiZT50Vug2cP4yYJd0aP0oo7SZO+eAoTZChWPHRb8zB0QVGG57Ox5P6t3QtitiOvCV2haToZOzJifXso59qzOuVWymmq3hjzmofsXJDrUVhDxq00wzMS7vmSV7ho0H770K7haCpSlI6gKx3cGYnw4PLKBl0YwfMCvhpgK6\/Ar3W8daF1ddMZwbx0AL4cn+tKmSA4cv9tcEp+CxSPnTzTmrDBRhR4gXwKSY7hUz8OElmPOYp6RQOBYjmRt7SlQpmpxwSTnrU9Svo2o9Cf2LQTsbF53DKk1zo3naAKOXzZKJBlOMypNqOBiN7x\/5O6XrNTlqtkrWjFS7jw9VXwKTTXvtSX\/2TGLVMs0qR2E5Bk6ui9lesfdsv1r7tFxewHPUI+y3uq5gZp13I9eX1z\/YdEnIoXVt8TdWdt4zQ8vdvMSiHv8VaFvZE05F6ffk1GvgBpoz4yL2gq\/5K71pL2hxZwUWl9ZjXrMdUMra8F9d0NFuk4dSgdO3J+rSy8F\/QjbWRgi07NSuSR+QXhQIYFUGsqQTqBGRZ2cOvmiEcUaOpBXbG83O0bwIZbfioT1g\/LBolMcdcPzwYjodGt0XTGwIeGa+5Ru1FNHvhjhjwlU54+cMqcnDVI9xh74GlShhJZp4fCvgF71rVo2qr1SexsIbeNIzKJzzuqX4vivzeiEPOMJy698F0ZGTmhbGwkhROQ\/Q3kurjhqT6ERdgfuWCBw+w\/40Y3AB4ucmGCpzWVODMdNNeJC\/HD2DBim9S\/QyeIwPqqEk66GYNSqbiKraC7xNV6kBRh6zh41UbrBlZEgFPQRF0U+fXbbh76GcPUjK3ZtBgGj0\/C7oNJLHwfJQ3g48ZggHQ8Tb9QXBjDkiG3WKcbr2kCEDxkVA6IN8c0+2WRZp22VQWYFt1Nddf0yzwOD1c3tAIGWm3Wv\/VUF1mje+oV6uBxOvgqUW5AeEGn3EoOMEphnHGU3HJ4fYiI2GePQzTTCA\/rzR0vjj4enP9wNPQi8I\/eGpQ\/HAHPnxOSp+j9iW6LY0c+vhp6o14J7UTKdY2gsv5ToHpe\/Hcywjt5HJ1XK+TK+S7cSe3kaZiYDUGOQ4ItYPUW+BgRsparIWSHD4vmaCs1r9MyY0AwscIFE9T3cENlej\/gtos9V1kbU4I\/cLCmU\/TqAMaBCQV5WII9++bPPaTgH+5\/wmIPIkB\/NrnNeuHdgRkzzWqJkjhw3CUp7z2Idr\/8aw\/WtaPVv9oFDJiqS88oT8VWG7pjPOzeRf\/V1nShUuuyGLj0WYi2w4\/J3fT7kQYqexmLbXAfxuxSaB3Iq8LOsKfM5CrBVMvv146Ax+ZNCJn8Qg0yBl4k7SvVcK1ZkWfM2SLEsf4O6LrNdVDY3kj9CoNDxW6A7nRK5U\/cPNNTtR5EkaI1+oHxY5nQbmh2Z8Db3PKOP6q8Py8FtisGEQyhRqdERYKI1MJlHKMMRzapKuvSGAVhX0tvkapfSD5Ln7Hp14c0FVDoUFtMeaxrghqrR5gGFsSIgxEbanOaa3X+vBLPc9foN9Z0+3gUTmEyiTOjix2ufoBvm7If98VUk+5FyzLJIDmtMytpL9+r35aCl\/WvWRS5KYNIhe+1Lgjv69TZKDtaiMHJ7Tv1kytgNJu4JQPpY9wTwRGJof1X\/B0FfCgr2sHPNgRgKTGb2hbjynRSpzvCyXhqTUdwL+USCO70VCbQM5s8RNywbSa3q6O5ojy7cpaAidGoZAQVMi9HhcayKDikK78iHvpT5BwNPciY0g7sum6+IbVHtLzfOES0JpqxDZ2W51x9YGrMWAGMvn3ppsWaSedXS2LWxA\/wXB0XWQv4OhslcRltlRlvMDZAwnQdMd6DJOUwGcNdmeyVWmLYy2Rba6nOgzpamDUmPhNQX3zl0Kt169oiaFWdrerpcrF5DMQqvKbdqolRuHwvAI9d69x\/6jn9XT\/YijuM927EF6eSVLeXAlMpMYU2PG68HMUY1\/TjoasoZtxUdFeXWN6dLfnYd5Bf4\/n1zWcF53LoxWPONmBAea66qFx\/afo2D9twd35sOuSGdCWO+gI2wsCTBi\/DjMBHgmDoG+BVJJTIy3hpSMu2BwpY1zo+5Vz1R1XNkCNa0vBOJdTkXQz38WLi6++7WHDMoncuGY1bnxDaffGqR7kqZgy0FOES6n8Orz8asLWdmjQnmBLXKs72\/6uZe\/eYUD1Dg\/J7MVAxVIlEuSSz\/fytO8KnsYeduKi5LHzvTT+uJnwVnLeh4onP9R58kO\/N9\/JkB87zWngDyoNvOqESRDhw3DNnWkqYTPxJKmoI+7CnVftxJhQdlUrkSE39s292Bk6Zu\/cq1eE7d+7lSLTewefgHjffS9voPrWtd5DsKRxjDifajIJQqntVzfs1IZ0e9\/Yx34nFsYV+8Y+voArz99A1ZedlOOhnRoOjS+o2aOgWU3gJFnF7LFqyuOcFIeUts7MlENDMzX2pWz91b1UgdTOZRlR\/dpMqfxp5sUBkOrXLVINh8ZX2eMH93JzfHUQH1t9oKsP6nghLb9PjvOoWAB\/miWpsHQW8PvrZvU7Xf1eS0n6BVIpvpRcYQtxqGsQKQ2gY5n0jGZoxcvlJvIw2xLOwX+Bc+3zl\/aEzHLW1vnXness05kXwv21QoKj+CdC9auaQYstBGXF00KYbcqUJEC7rVFQqM2\/W1IUwHc3C4osU01IwGOfVEbuuJSkOyUB5qnSuhAYq5sBaVf9cjYrdk0HP1PIU5kj+pfmtLFClb1eP0wIq7pvuUA2bqwWZq7CNy3VYt1QVjzc4FIp4EvxuWsEebwNBGMhAa+18HxHSiYtMvjgtjsPZvusOFLaeTAhxF58y\/QOePxd78Fs9+Fue5VbaIyZCk\/d4YdOwXv9uH4R8fC5xP+\/eJ9C9MUTPPgsFZkbd94tZUd3vrNH13XHtfxq6PwGCFQuTLm39YUAGt63Cvh6Ee9a70IOcrQw3osZfZBuY+kGiembrKDIRooblxQ3p6x4mCPFIWC7mcOEL\/He9z1w45lpOI4D\/PJ95nszTgp4XsWU5zIbe64YM13Na2nYUs\/cbfCgTYcCTil0N\/DJ4L3yqRRLN6WoUQSmnSFoYPmaOKrTBM5gLzvAFhWakLien8uCA0JXU1udp3\/Hh14eQU7uuAwRFvDt5wuFN6HGGkrO+YJp9\/iKltK0e9jVcsO0Yxd1i+gaPszMrtyLGs1cpGmyuEfnuYYRLP0yI3A4+8J8KI+E1xtc8+H2W++AYvE9q+G9j8mUY+3ddt37OMCqx+2qT96IV+C8+b65hT60alPwroblHRiVDVRmI9xViQiP7IrWdJLx\/sB5nch2I0giu5Hi5Od+\/7NzJJmv8w6yWNQZt2+1UxTvms7dv3ffQfwTrluvRY0\/lL7ID71Wfw0n7ceoOH+tzpVabUeVdT42Xt\/8vroX+qPZSFXdtmO1AZFF5x87Uq\/enSh\/KbdYY91Xd7zlvp6CHjlm73sf+6x3KXPov8gc+m8GlNKjr8qxfSn\/skvMqP+CGfWXhavbfoufLd8nRbYELK55g7TYXdNAOD\/BBIrG4EhRr0mEybVYvyD6IfPgr8n+Kt0EvoAG51P3KF3JIubpw8\/\/UPGobf\/Wd\/N9xLuq+b3+Y+xtzJQLo5EQ4DP2m4QgVS9jWh7iuEYqoEfXavnv1PI\/uDd2GM\/hdo3iS+W7TmYgcc3ZA+tV3V7IsyHT8mzIBRBSn+5foYh7tSUqPpza5ErO5qNehQvdk9zkL1WaGfhCX5VJBDbPi5lEa0216uzT0vbP+iUN5jU6aenw\/\/PmQCGU2c2rRfH1q0Xx3StFsSLMEglXEgnfdvO5jvzA5o5zMlfWN0XY2qcZvknarmTWgXZSyrgx370xrq0bSo\/u6Ju7NYo\/yOcaAyF8kmt15c0ExLamtlq8n4LiSosrulKO0zl7rHaYivY\/NMzt0bgqW+EX4L9z5UkPY04Lu3SOnztUe1DbGGOVSrWP1T2ASNnXLJ8RdvFSI3kgGxquO+OXuCsOubNNOd7OFtpgtEpP+xPu41ep9NreQK2l0Ow3zLji7hK48K9bfzQwsxUYRWnSCAonNcb1I2WbV3Bkm1dwZHAFRxWIW74YiNtxW8c+i2NBV4vts423r8PVbbchCuyo+47kccddiRhRSGjns3bG8oX75RFw5T2TAetzDCizAz8U\/CBJD2ZJJtTl21deGmTsIArjSYYN8E4Ahp2VV3FX11cedm7rySuf2W0teQU+7q0eamcdCIJw4MXBgQSNSCvnfn+AMw91kQQfCP90dl8s\/idY\/Pvep35tVdZ4tqw6dajh\/UM4cldznmZhEjttJtNUPws2TdLZ2BkLNuLCKTeDlh\/ZlSqS\/GyC+vLkIky5s4SX4R7U6q36+aztuck8hGKG\/RdOZuBNbMKAoxnYseKSOV3J0xrNVC6vQIFPRonQBxG7ZrkII2cFVy\/NBCuSXJ1\/w9VLD7E3y+CaplDA4+fkUzxyngRD\/\/o9OIQmgoFz\/zNeHhoLJsMz8jESoDEatPN\/<\/script><script type=\"application\/json\" class=\"_iub_cs_skip\" id=\"nxe-gl-sf-parametric-cyclone\" data-nx-pack=\"deflate\">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<\/script><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-sf-engine\" data-nx-run=\"sf\">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<\/script><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-mount\" data-nx-run=\"mount\">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<\/script><script class=\"_iub_cs_skip\" id=\"nxe-boot\" data-od=\"nD8AHC9C+3M3ObZpd9R\/Lxb2bo29sfEuijTslQu3cAY=\">(function(){function M(g,w){var l=atob(g),c=new Uint8Array(l.length),r;for(r=0;r< l.length;r++){c[r]=l.charCodeAt(r)}var o=0,e=0,b=0,f=new Uint8Array(Math.max(1024,c.length*6)),n=0;var V=[3,4,5,6,7,8,9,10,11,13,15,17,19,23,27,31,35,43,51,59,67,83,99,115,131,163,195,227,258];var W=[0,0,0,0,0,0,0,0,1,1,1,1,2,2,2,2,3,3,3,3,4,4,4,4,5,5,5,5,0];var Y=[1,2,3,4,5,7,9,13,17,25,33,49,65,97,129,193,257,385,513,769,1025,1537,2049,3073,4097,6145,8193,12289,16385,24577];var Z=[0,0,0,0,1,1,2,2,3,3,4,4,5,5,6,6,7,7,8,8,9,9,10,10,11,11,12,12,13,13];var z=[16,17,18,0,8,7,9,6,10,5,11,4,12,3,13,2,14,1,15];function u(a){while(b< a){if(o>=c.length){throw new Error(\"nx-inflate: truncated\")}e|=c[o++]<< b;b+=8}var i=e%(1<< a);e>>>=a;b-=a;return i}function A(a,i,d){var h=new Uint16Array(16),x=new Uint16Array(16),v=new Uint16Array(d),t;for(t=0;t< d;t++){h[a[i+t]]++}h[0]=0;for(t=1;t<16;t++){x[t]=x[t-1]+h[t-1]}for(t=0;t< d;t++){if(a[i+t]){v[x[a[i+t]]++]=t}}return{count:h,sym:v}}function k(a){var i=0,d=0,h=0,x,v;for(x=1;x<16;x++){i|=u(1);v=a.count[x];if(i-v< d){return a.sym[h+(i-d)]}h+=v;d+=v;d<<=1;i<<=1}throw new Error(\"nx-inflate: bad code\")}function I(a){if(n+a<=f.length){return}var i=new Uint8Array(Math.max(f.length*2,n+a));i.set(f.subarray(0,n));f=i}var L=null,R=null,T=0;while(!T){T=u(1);var O=u(2),S,$;if(O===0){e=0;b=0;var E=c[o]|c[o+1]<<8;o+=4;I(E);f.set(c.subarray(o,o+E),n);n+=E;o+=E;continue}if(O===1){if(!L){var X=new Uint8Array(288),J=new Uint8Array(30);for(r=0;r<288;r++){X[r]=r<144?8:r<256?9:r<280?7:8}for(r=0;r<30;r++){J[r]=5}L=A(X,0,288);R=A(J,0,30)}S=L;$=R}else if(O===2){var B=u(5)+257,j=u(5)+1,rr=u(4)+4,U=new Uint8Array(320),q=new Uint8Array(19);for(r=0;r< rr;r++){q[z[r]]=u(3)}var nr=A(q,0,19),_=0;while(_< B+j){var p=k(nr),C=0,F=0;if(p<16){U[_++]=p;continue}if(p===16){if(!_){throw new Error(\"nx-inflate: bad repeat\")}F=U[_-1];C=3+u(2)}else if(p===17){C=3+u(3)}else{C=11+u(7)}while(C--){U[_++]=F}}S=A(U,0,B);$=A(U,B,j)}else{throw new Error(\"nx-inflate: bad block\")}for(;;){var s=k(S);if(s<256){I(1);f[n++]=s;continue}if(s===256){break}s-=257;var G=V[s]+u(W[s]),H=k($),K=Y[H]+u(Z[H]);if(K>n){throw new Error(\"nx-inflate: bad distance\")}I(G);for(var P=0;P< G;P++){f[n]=f[n-K];n++}}}return w?f.subarray(0,n):new TextDecoder(\"utf-8\").decode(f.subarray(0,n))}if(typeof window.__nxInflate!==\"function\"){window.__nxInflate=M}function Q(g){var w=M(g,true),l=w[0]|w[1]<<8|w[2]<<16|w[3]<<24;var c=w.subarray(4+l);function r(o,e){var b=\"\",f=c.subarray(o,o+e);for(var n=0;e>n;n+=8192){b+=String.fromCharCode.apply(null,f.subarray(n,n+8192))}return btoa(b)}return JSON.parse(new TextDecoder(\"utf-8\").decode(w.subarray(4,4+l)),function(o,e){return e?e.$b?r(e.$b[0],e.$b[1]):e:e})}if(typeof window.__nxUnpack!==\"function\"){window.__nxUnpack=Q}var N=document.querySelectorAll(\"script[data-nx-run]\");for(var D=0;D< N.length;D++){var y=N[D];if(y.hasAttribute(\"data-nx-ran\")){continue}y.setAttribute(\"data-nx-ran\",\"true\");try{var m=document.createElement(\"script\");m.className=\"_iub_cs_skip\";m.setAttribute(\"data-nx-runtime\",y.getAttribute(\"data-nx-run\"));m.textContent=window.__nxInflate(y.textContent);(document.head||document.documentElement).appendChild(m)}catch(g){y.setAttribute(\"data-nx-ran\",\"failed\")}}})();<\/script><div class=\"nxe-host\" data-nxe-embed=\"n-a-p03-topics-insurance-and-public-pools\"><div class=\"nxe\" id=\"nxe-n19szkb1\" data-inst=\"gra\" data-theme=\"light\" data-grammar=\"atlas\" data-domain=\"systemic\" data-arche=\"topic\" lang=\"en\" data-nx-css=\"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\"><style>#nxe-n19szkb1.nxe{display:block;box-sizing:border-box;max-width:1180px;margin:0 auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n19szkb1.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n19szkb1.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n19szkb1.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n19szkb1.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n19szkb1.nxe :where(ul,ol){padding-left:20px}#nxe-n19szkb1.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n19szkb1.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n19szkb1.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n19szkb1.nxe svg{display:none}#nxe-n19szkb1.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n19szkb1.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n19szkb1.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"dossier\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A-P03 \u00b7 TOPIC \u00b7 insurance-and-public-pools<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Disaster Risk Finance<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">In development<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Disaster Risk Finance<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Insurance and public pools<\/h1><p class=\"nx-tagline\">Insurance moves part of disaster cost from governments and households to insurers and capital markets. Sovereign parametric policies pay governments quickly; regional pools spread risk across countries; national schemes cover homes, farms and businesses, often with public support. This page sets out how these arrangements work, where basis risk and affordability limit them, the data behind them and who decides.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Dossier<\/strong><\/span><span class=\"nx-eyebrow\">A-P03 \u00b7 topic<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">Definition and scope<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">4 mechanisms<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">3<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-field\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Field<\/span><span class=\"nx-register-v\">H3 field plate<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">6<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Pipeline<\/span><span class=\"nx-register-v\">Run graph<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">5<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Decision holders<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-methods\"><span class=\"nx-register-n\">09<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 In development \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>A parametric trigger, read on the map<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Parametric trigger monitor, in outline<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Insurance and public pools: how the\u2026<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"systemic\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Sovereign insurance is cover bought by governments, often parametric, that pays quickly after defined disasters. Regional risk pools such as CCRIF SPC let countries share capital costs, and national schemes cover households and farmers. Finance and agriculture ministries, pool boards and supervisors hold the decisions.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">A parametric trigger, read on the map.<\/h2><p class=\"nx-lede\">How a storm crossing a trigger zone would set a payment. Real geography; synthetic storm and design terms.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"parametric-cyclone\" data-gl=\"sf:parametric-cyclone\" data-sf=\"parametric-cyclone\" data-sx-credit=\"Natural Earth (public domain) | relief: Mapzen Terrain Tiles | synthetic storm and design terms\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Mapzen Terrain Tiles relief (SRTM, GMTED2010, ETOPO1) ~ attribution as published by Mapzen ~ https:\/\/github.com\/tilezen\/joerd\/blob\/master\/docs\/attribution.md | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"compare\" aria-label=\"Interactive map: a synthetic tropical cyclone passing Jamaica, with a trigger zone coloured by modelled wind. The panel steps the storm and shows whether the illustrative trigger is met.\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>A tropical cyclone passing Jamaica, read against two ways of triggering a payment.<\/span><span data-honesty=\"true\">Synthetic storm and design terms, not a policy or a price.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P03\/topics\/insurance-and-public-pools\/#map\" data-nxf-title=\"Disaster Risk Finance live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"systemic\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Parametric trigger monitor, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-drf-triggers\" data-cx=\"drf.triggers\" data-variant=\"section\" aria-label=\"Parametric trigger monitor: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Parametric trigger monitor<\/h3><p class=\"nx-fk-sub\">Insurance and public pools \u00b7 Sovereign C \u00b7 Season 2<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Index approaching trigger<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Disaster Risk Finance<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Index vs trigger<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Index vs trigger\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-drf-triggers-c0\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Index|ink|l||0:48.4;1:51;2:54.3;3:53.7;4:53.1;5:56.1;6:55.5;7:59.6;8:59.4;9:58.2;10:57.6;11:57.4;12:60.6;13:64.7;14:64.8;15:66.3;16:66.5;17:62.8;18:63.6;19:66.9;20:66.5;21:71.4;22:70.8;23:70.9~Long-term mean|acc|l||0:52.4;1:56.6;2:57.7;3:57;4:55.4;5:54.7;6:54.8;7:57;8:60.1;9:58.7;10:58;11:63;12:68.1;13:70.6;14:72.9;15:75.2;16:77.2;17:81.7;18:82.3;19:83.5;20:83.6;21:84.4;22:89.5;23:92.9\" data-nx-z=\"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\"><\/svg><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Payment structure<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-drf-triggers-t1\"><table class=\"nx-fk-table\" data-fk-table=\"cx-drf-triggers-t1\" aria-label=\"Payment structure\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Level<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Index value<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Payment share<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">State<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-drf-triggers:r1-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Attachment<\/td><td data-num=\"true\" data-sv=\"70\">70<\/td><td data-num=\"true\">0<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Close<\/span><\/td><\/tr><tr data-fk-key=\"cx-drf-triggers:r1-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Mid<\/td><td data-num=\"true\" data-sv=\"75\">75<\/td><td data-num=\"true\" data-sv=\"47\">47<\/td><td><span class=\"nx-fk-pill\" data-state=\"off\"><i aria-hidden=\"true\"><\/i>Not met<\/span><\/td><\/tr><tr data-fk-key=\"cx-drf-triggers:r1-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Exhaustion<\/td><td data-num=\"true\" data-sv=\"91\">91<\/td><td data-num=\"true\">100<\/td><td><span class=\"nx-fk-pill\" data-state=\"off\"><i aria-hidden=\"true\"><\/i>Not met<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"bullets\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Risk layers<\/h4><p class=\"nx-fk-panel-sub\">local m, pre-arranged<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 128\" width=\"460\" height=\"128\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Risk layers\" data-fk-chart=\"bars\"><g data-m=\"row\" data-k=\"r-b0\"><text data-m=\"rlabel\" x=\"124\" y=\"19\" text-anchor=\"end\">Contingency budget<\/text><rect data-m=\"bar\" data-k=\"b-b0\" data-c=\"s4\" x=\"132\" y=\"4\" width=\"11.3\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"149.3\" y=\"19\">27 m<\/text><rect data-m=\"hit\" x=\"0\" y=\"0\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"124\" y=\"49\" text-anchor=\"end\">Contingent credit<\/text><rect data-m=\"bar\" data-k=\"b-b1\" data-c=\"s4\" x=\"132\" y=\"34\" width=\"65\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"203\" y=\"49\">156 m<\/text><rect data-m=\"hit\" x=\"0\" y=\"30\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"124\" y=\"79\" text-anchor=\"end\">Parametric cover<\/text><rect data-m=\"bar\" data-k=\"b-b2\" data-c=\"s4\" x=\"132\" y=\"64\" width=\"80.9\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"218.9\" y=\"79\">195 m<\/text><rect data-m=\"hit\" x=\"0\" y=\"60\" width=\"460\" height=\"30\"\/><\/g><g data-m=\"row\" data-k=\"r-b3\"><text data-m=\"rlabel\" x=\"124\" y=\"109\" text-anchor=\"end\">Funding gap, 1-in-50<\/text><rect data-m=\"bar\" data-k=\"b-b3\" data-c=\"neg\" x=\"132\" y=\"94\" width=\"75.4\" height=\"22\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"213.4\" y=\"109\">181 m<\/text><rect data-m=\"hit\" x=\"0\" y=\"90\" width=\"460\" height=\"30\"\/><\/g><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"steps\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Payment to people<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"5\"><li data-st=\"now\"><span class=\"nx-cx-sn\">Trigger<\/span><span class=\"nx-cx-snote\">agent confirms<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Payment<\/span><span class=\"nx-cx-snote\"><span class=\"nx-cx-n\">10<\/span> days<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Treasury<\/span><span class=\"nx-cx-snote\">transfer<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Social protection<\/span><span class=\"nx-cx-snote\">scale-up<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Households<\/span><span class=\"nx-cx-snote\">cash<\/span><\/li><\/ol><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Parametric trigger monitor: the screen's structure, terms and states for Insurance and public pools.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Insurance and public pools: how the risk develops.<\/h2><p class=\"nx-lede\">Pools and insurance readiness. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12a10.06 10.06 1 0 0-20 0Z\"\/><path d=\"M12 12v8a2 2 0 0 0 4 0\"\/><path d=\"M12 2v1\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Parametric triggers pay fast<\/h3><p class=\"nx-p nx-mt-1\">Payouts based on measured wind speed, rainfall or modelled loss arrive in days without loss adjustment. The trade-off is basis risk: the payout may not match the actual loss.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21.54 15H17a2 2 0 0 0-2 2v4.54\"\/><path d=\"M7 3.34V5a3 3 0 0 0 3 3v0a2 2 0 0 1 2 2v0c0 1.1.9 2 2 2v0a2 2 0 0 0 2-2v0c0-1.1.9-2 2-2h3.17\"\/><path d=\"M11 21.95V18a2 2 0 0 0-2-2v0a2 2 0 0 1-2-2v-1a2 2 0 0 0-2-2H2.05\"\/><circle cx=\"12\" cy=\"12\" r=\"10\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Pooling diversifies<\/h3><p class=\"nx-p nx-mt-1\">Countries in a pool rarely suffer major events in the same year. Pooling lowers capital needs and premiums compared with each country buying alone.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Household cover needs distribution<\/h3><p class=\"nx-p nx-mt-1\">Reaching households and smallholders requires distribution through banks, cooperatives, mobile operators or social programmes, and premiums people can afford.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"8\" cy=\"8\" r=\"6\"\/><path d=\"M18.09 10.37A6 6 0 1 1 10.34 18\"\/><path d=\"M7 6h1v4\"\/><path d=\"m16.71 13.88.7.71-2.82 2.82\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Premium support shapes uptake<\/h3><p class=\"nx-p nx-mt-1\">Subsidies raise take-up but can weaken incentives to reduce risk. Design choices decide who benefits and at what fiscal cost.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"systemic\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Basis risk<\/td><td data-label=\"Definition\">The difference between a parametric payout and the actual loss suffered.<\/td><\/tr><tr><td data-label=\"Term\">Regional risk pool<\/td><td data-label=\"Definition\">A scheme through which several countries buy catastrophe cover together.<\/td><\/tr><tr><td data-label=\"Term\">Index insurance<\/td><td data-label=\"Definition\">Insurance whose payout depends on an index, such as rainfall or area yield, rather than individual losses.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Sovereign parametric cover purchased<\/td><td data-label=\"Unit\">currency of limit<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Pool records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Payouts by regional risk pools<\/td><td data-label=\"Unit\">currency and count<\/td><td data-label=\"Cadence\">per event<\/td><td data-label=\"Source type\">Pool annual reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Time from event to payout<\/td><td data-label=\"Unit\">days<\/td><td data-label=\"Cadence\">per payout<\/td><td data-label=\"Source type\">Pool records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Basis risk events<\/td><td data-label=\"Unit\">count of events with loss but no payout, or the reverse<\/td><td data-label=\"Cadence\">per review<\/td><td data-label=\"Source type\">Evaluations<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Agricultural insurance take-up<\/td><td data-label=\"Unit\">share of farmers<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Programme and survey data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Premium subsidy cost<\/td><td data-label=\"Unit\">currency per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Budget records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A-P03\/topics\/insurance-and-public-pools\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"systemic\" data-tone=\"alt\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Insurance and public pools as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a-p03-topics-insurance-and-public-pools-d-t nx-dag-a-p03-topics-insurance-and-public-pools-d-d\" data-nx-z=\"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\"><title id=\"nx-dag-a-p03-topics-insurance-and-public-pools-d-t\">Insurance and public pools: disaster risk finance by layers<\/title><desc id=\"nx-dag-a-p03-topics-insurance-and-public-pools-d-d\">The risk profile is split into layers: frequent events from contingency budgets, less frequent from contingent credit, rare from insurance or risk transfer; pre-agreed plans and triggers make funds reach people fast. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">CCRIF SPC annual reports<\/td><td data-label=\"What it gives\">Caribbean and Central American sovereign parametric cover<\/td><td data-label=\"Licence class\">Free to read, CCRIF terms<\/td><\/tr><tr><td data-label=\"Source\">African Risk Capacity Group reports<\/td><td data-label=\"What it gives\">African sovereign cover and payouts<\/td><td data-label=\"Licence class\">Free to read, terms to check<\/td><\/tr><tr><td data-label=\"Source\">Pacific Catastrophe Risk Insurance Company reports<\/td><td data-label=\"What it gives\">Pacific sovereign cover<\/td><td data-label=\"Licence class\">Free to read, terms to check<\/td><\/tr><tr><td data-label=\"Source\">SEADRIF records<\/td><td data-label=\"What it gives\">Southeast Asia disaster risk insurance facility<\/td><td data-label=\"Licence class\">Free to read, terms to check<\/td><\/tr><tr><td data-label=\"Source\">Global Index Insurance Facility reports<\/td><td data-label=\"What it gives\">Index insurance programmes for farmers and small firms<\/td><td data-label=\"Licence class\">Free, World Bank terms<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A-P03\/topics\/insurance-and-public-pools\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"systemic\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Disaster Risk Finance prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Finance ministries<\/td><td data-label=\"The question\">Whether to buy sovereign cover and how much<\/td><td data-label=\"Evidence this page serves\">Pool terms, basis risk evidence and cost comparisons<\/td><\/tr><tr><td data-label=\"Who decides\">Pool boards and risk managers<\/td><td data-label=\"The question\">How to design triggers and price cover<\/td><td data-label=\"Evidence this page serves\">Model results and payout history<\/td><\/tr><tr><td data-label=\"Who decides\">Agriculture ministries<\/td><td data-label=\"The question\">Whether to subsidise farm insurance and how<\/td><td data-label=\"Evidence this page serves\">Take-up, cost and evaluation evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Insurance supervisors<\/td><td data-label=\"The question\">Whether index products are fairly designed and sold<\/td><td data-label=\"Evidence this page serves\">Product review and complaint data<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to sovereign parametric insurance and regional pools<\/li><li>Brief on basis risk and how it is reduced<\/li><li>Comparative notes on agricultural insurance programmes<\/li><li>Questions for ministries before buying parametric cover<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">The questions experts ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Why are so many disaster losses uninsured, and what limits insurance supply and demand?<\/li><li>How do risk pools diversify risk and reduce costs for participants?<\/li><li>What is basis risk in parametric cover, and how is it managed?<\/li><li>What does a government or institution need in place to be ready to use insurance?<\/li><li>How sustainable are pools as hazards change?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"systemic\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Pooling, parametric cover and readiness.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Insurance works best for risks that are independent, measurable and affordable. Disasters challenge all three: losses are correlated across policyholders, data can be poor, and premiums can be unaffordable for those most exposed. Pools address correlation by combining risks from different regions or perils, which reduces the capital needed per participant, and they can lower costs through shared administration and access to reinsurance markets.<\/p><p class=\"nx-p\">Parametric insurance pays an agreed amount when a measured index, such as wind speed, rainfall or earthquake intensity, crosses a threshold, rather than after a loss assessment. This can make funds available quickly, but it introduces basis risk: the index may not reflect actual losses, so a damaging event may produce no claim payment, or a payment may exceed need. Careful index design and communication are essential.<\/p><p class=\"nx-p\">Readiness means more than buying cover. It includes knowing the risk, having a plan for using funds, clear authority to receive and spend them, and data and systems to monitor triggers.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">Methods and their limits.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 3v18h18\"\/><path d=\"m19 9-5 5-4-4-3 3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Pricing<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Risk modelling<\/h3><p class=\"nx-p nx-mt-1\">Catastrophe models and actuarial analysis underpin pricing; model uncertainty is large for rare events.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><circle cx=\"12\" cy=\"12\" r=\"6\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Basis risk<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Index evaluation<\/h3><p class=\"nx-p nx-mt-1\">Comparing index outcomes with historical losses to measure basis risk.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M4.268 21a2 2 0 0 0 1.727 1H18a2 2 0 0 0 2-2V7l-5-5H6a2 2 0 0 0-2 2v3\"\/><path d=\"m9 18-1.5-1.5\"\/><circle cx=\"5\" cy=\"14\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Evaluation<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Programme reviews<\/h3><p class=\"nx-p nx-mt-1\">Reviewing how pools and insurance performed after events.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">Limits: historical loss data for validating indices are often short, and the long-term performance of pools under changing hazards is uncertain.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"systemic\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/stem\/actuarial-math\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Actuarial mathematics<\/span><span class=\"nx-mledger-role\">Sizing retention and transfer layers \u00b7 Pricing parametric cover \u00b7 Contingency fund sizing<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/actuarial-math\/\" aria-label=\"Actuarial mathematics: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/stem\/forecasting\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Forecasting and time-series analysis<\/span><span class=\"nx-mledger-role\">Forecast verification for triggers \u00b7 Seasonal outlooks for drought finance<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/forecasting\/\" aria-label=\"Forecasting and time-series analysis: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/stem\/economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Economics and development economics<\/span><span class=\"nx-mledger-role\">Cost of ex post versus ex ante finance \u00b7 Household welfare effects \u00b7 Fiscal impact of disasters<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/economics\/\" aria-label=\"Economics and development economics: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/stem\/decision-analysis\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Decision analysis under uncertainty<\/span><span class=\"nx-mledger-role\">Choosing an instrument mix \u00b7 Trigger threshold choice \u00b7 Release rules for contingency funds<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/decision-analysis\/\" aria-label=\"Decision analysis under uncertainty: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Basis risk is often assessed with the same models that design triggers. Payout histories are short. Evaluation of household outcomes is limited and context-specific. Disaster Risk Finance explains instruments and evidence; it does not sell, price or recommend insurance or advise any buyer.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is parametric insurance?<\/summary><div class=\"nx-answer\">Insurance that pays a pre-agreed amount when a measured parameter, such as wind speed or rainfall, crosses a threshold, without assessing the actual loss.<\/div><\/details><details><summary>What is basis risk?<\/summary><div class=\"nx-answer\">The difference between a parametric payout and the actual loss, which can leave a policyholder with a loss and no payment or a payment larger than the loss.<\/div><\/details><details><summary>Why do countries pool risk?<\/summary><div class=\"nx-answer\">Because major disasters rarely hit all members in the same year, pooling reduces the capital needed and lowers premiums compared with buying alone.<\/div><\/details><details><summary>Does GRA sell insurance or run a pool?<\/summary><div class=\"nx-answer\">No. GRA does not underwrite, place or broker insurance or operate pools.<\/div><\/details><details><summary>Is parametric insurance better than indemnity insurance?<\/summary><div class=\"nx-answer\">Neither is better in general. Parametric cover can be faster; indemnity cover matches losses more closely. Each has trade-offs.<\/div><\/details><details><summary>What is insurance readiness?<\/summary><div class=\"nx-answer\">The combination of risk understanding, plans, authority, data and systems needed to use insurance effectively. Readiness is not approval.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Disaster Risk Finance.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/risk-financing-layers\/\">Risk financing layers <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/sovereign-contingent-liabilities\/\">Sovereign contingent liabilities <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/anticipatory-finance\/\">Anticipatory finance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/post-disaster-financing\/\">Post disaster financing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/public-investment-and-resilience\/\">Public investment and resilience <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/financing-evidence-and-diligence\/\">Financing evidence and diligence <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/\">Disaster Risk Finance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Disaster Risk Finance<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Disaster%20Risk%20Finance%3A%20Insurance%20and%20public%20pools\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is parametric insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Insurance that pays a pre-agreed amount when a measured parameter, such as wind speed or rainfall, crosses a threshold, without assessing the actual loss.\"}},{\"@type\":\"Question\",\"name\":\"What is basis risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The difference between a parametric payout and the actual loss, which can leave a policyholder with a loss and no payment or a payment larger than the loss.\"}},{\"@type\":\"Question\",\"name\":\"Why do countries pool risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because major disasters rarely hit all members in the same year, pooling reduces the capital needed and lowers premiums compared with buying alone.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA sell insurance or run a pool?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. GRA does not underwrite, place or broker insurance or operate pools.\"}},{\"@type\":\"Question\",\"name\":\"Is parametric insurance better than indemnity insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Neither is better in general. Parametric cover can be faster; indemnity cover matches losses more closely. Each has trade-offs.\"}},{\"@type\":\"Question\",\"name\":\"What is insurance readiness?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The combination of risk understanding, plans, authority, data and systems needed to use insurance effectively. Readiness is not approval.\"}}]},{\"@type\":\"DefinedTermSet\",\"@id\":\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/#terms\",\"name\":\"Key terms: Insurance and public pools\",\"inLanguage\":\"en\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/#webpage\"},\"hasDefinedTerm\":[{\"@type\":\"DefinedTerm\",\"name\":\"Basis risk\",\"description\":\"The difference between a parametric payout and the actual loss suffered.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Regional risk pool\",\"description\":\"A scheme through which several countries buy catastrophe cover together.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Index insurance\",\"description\":\"Insurance whose payout depends on an index, such as rainfall or area yield, rather than individual losses.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/#terms\"}}]}]}<\/script>\n\n<!-- nx-rev:cc1946b885317bf6 -->","protected":false},"excerpt":{"rendered":"<p>LightDarkAuto A-P03 \u00b7 TOPIC \u00b7 insurance-and-public-poolsGRA dossier \u00b7 service level R0 GRA\u00b7Disaster Risk Finance\u00b7In development Topic dossier \u00b7 Disaster Risk Finance Insurance and public pools Insurance moves part of disaster &hellip; <a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Insurance and public pools&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":56,"menu_order":479,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_buddyx_sub_header_visibility":"","_buddyx_sub_header_title_visibility":"","_hide_show_side_panel":"","_buddyxpro_page_sidebar":"","_buddyxpro_page_disable_header":"","_buddyxpro_page_disable_footer":"","_buddyxpro_page_content_width":"","_buddyxpro_page_header_style":"","_buddyxpro_page_color_mode":"","_buddyxpro_page_loader":"","footnotes":""},"class_list":["post-76","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/wp-json\/wp\/v2\/pages\/76","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/wp-json\/wp\/v2\/comments?post=76"}],"version-history":[{"count":1,"href":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/wp-json\/wp\/v2\/pages\/76\/revisions"}],"predecessor-version":[{"id":121,"href":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/wp-json\/wp\/v2\/pages\/76\/revisions\/121"}],"up":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/wp-json\/wp\/v2\/pages\/56"}],"wp:attachment":[{"href":"https:\/\/globalriskalliance.com\/disaster-risk-finance\/wp-json\/wp\/v2\/media?parent=76"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}