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F5\/s9XCNR1uN\/AxTKs3WvWkdlU7cCiV5Zv5L+e+Iz8kNRstXuIBMKEoNJuW9iBEaiBD7GUrJUA8K54DZlvngEyrwjEkdxY4yR02YTXK5RtRVWEND6RpPmTI+ZAi50O\/cgcSQq4Bw6BQKsFvYE+WbGhpDJOInEljC5g7DH0mjmkzwx5b0QnTmsAs0b9QQYMnwLRFrUoOPbPsfIPzwCkoA6uJ7T8lig+dB0LIiZjRQ3YWOEmJn8WbklDLKd42uTG6\/2PkqThEnuDVQjspPSXyIyCIZ6WHPcxpkjF0PaaaB2cpqGcvpG0b3Gv212tvY2leAhYhsyjMeAgniT1C0rUaJms1Klur4UvWaoRXY8GoRwJNRgXuxaxB4k23GhVQO\/2mo2Z64Omq550LDa\/ghTvUDo\/HqZqTm3mYEQyHMWUfuLY43brM4MYVY+L6QrFEkDAdzsg477r3V6bf\/otKLrzB+gkMQEXuPULGOfR2h9oYUHkXn8YrgJTrT7OdwqmE2hinE2MgElIEgK\/XmxOSKk1P9GSWYi44bewjaZof1cY+isY+po3Neh+Fg+k5FQ1GcBTWtG3V23r9W7OJfzZ+40t4ctwEXUYRimJMrq+d6OnwzmlxfLiOwLjM+72Vp\/tnz6CKsOsOtdvOXjfZ6F31YHuht9408zqVz7JKuvq3QkN5oXEL0bPG+qcXGOtnmWAJqHGyR8gsAfqJRIdZ72TbXP8EopEd+L5QOnzO9GVFA33rMLXQZz9BP\/eUmuEZTpV0clYR\/T6lMTvx3QmnKBeRNcmUgKVftc9S\/fAZdFOZjy0\/06ePyaEj2nE+Gnvq0cgiTdM6ihKoWACVqGf1K07+Yw+p3VMtwitfS4\/2BduSEAYjw6aex0VvU8iDzIiCeZyOYUGa5uIoTMawkCsT9hZ9XjXueX28yj2Wcdox6PY916d8iLmjnyUq5g6A8l1v\/GxjUWUBaAGVSzph4AJKBTMaKdtEIi+AqsCyoi2WxRyFUYGCSrOwEDO2e+Myuev\/f9CTnJdHLTim+EJZ\/FhpPXfcGcLmY4VujblhJhoVC3H7IFhrAg\/KQQFJHzmhmOYs348KaWF8UzzmD9WofBC2FTnQCY0mUp3lk14PibEJv169VFnGbIT7elqSQTGlQ+WTU9WCg3A\/4\/GUNE2aHbhp4mbi92i\/1+orXKmgdCt6P4aWDzZHxfGWN9HsmzlFG5ENm485QEZiRa3n2rdUx1450yGSW\/6Zunl9h1YOnUd51K1XfI+EEOVE1pChDqp9XZz+u8af9Jrr1+gipBGrgUstnaM2kqsbVo5tgLAZ5gZW3m8M3ipVX+qo9nV62Prt36iN3tPFNK51meU7VuTEyQfTysHbw4UXIS6siKVgvmDLgmhOK5XkgvCxnd+HXP4YssaC\/4GdP6w\/SpHgL65hXwhNe+NXvBqS5CFXpPGrNO6Npcq9sQANfP1XaC55l7YqBI16683xtiCDV9AIWAJ5C418ncavm0cp1sBgMynrV30o5BYz+c6CkIyEKJOxKW4t1YXrGFjQ\/84Y+mMFp+OEASCfw4iylYieWQmL+I2Ij7veeiU3CG1EHFCtN5zkFgAfZYDPKhcg33pVCRKrBCReASR\/a0AhFXqafbqiOR+UMlSXWirhOytgUL5LPTqjnnSyxUYcei7T0BolgNky0IlK3ONKrXLwNa4fZEIL2D69IyshlV5yGAqJxWUD0U1DOoL1mqA4lHanBXk\/nQxopIVAU9OdssunJDn4gzsJlb4kcgd1xip6GCxyJxpu0+RcO6yjdg3Vtai36K\/XiAOjhuoLnBx2kbIiNznzTGYOLeg\/mBv29VovBVS5SbTGXR5AX1t21OHsNI13o17b12Ea7dLV4IU30lvDr9L99pTlls42ihMSH81Wd1fC\/Ua0\/ZNUkFWLHLBL\/6kJGVTu0ISEoa1CTThw+HuE\/IRXPxHfZFTzE0vLRo5LTB\/WKHXdlVNUaAmlGuUIoUPfQAY+p7++YBFM8YxApRyoZM9\/a1U1tzWWwuWKpdq72LZC0OwpTVW0tS1A\/i\/hm0LVVLR09CUtZ0iP8u5tCtgTx7YqIsyXpQqzdUmaJc09ONQjybfwLlAFU4b0vxWh06e7bS0AIY+OqO\/UjmsgB8kd09drFZ9YQmhouQlp6FLPkVstERvX62zXSbjkvdgsLaGDLyPsY0IrT5KS\/OS1VEfjEh1V5isAhsCp5wG718bbiqqd9D\/VsC\/qqIHqEch\/De7uArosaKxEwHfcSeZnyU\/QvGQ504fCyuER9FfdTCTvpjawbqkGyQOiyj+WmKfCiMYxWKcSEHSkKwmvUAYFLt\/KQhHGqTVrkw1QMEI\/xwj97eOxPEkNpoxBEIrJi6TmsKZZUiU\/Zl6gjJEgvGVr42WfV94u8CrUFgVTyaay+jatW\/C1WGSWCkYjtF6nL2oIrxbbJoqSTlWTaZi2Wz5dgdGwK8q+0yiyXL8RDIdiX45xpbtIrmziWVIWD6CUy\/yFczvOz+04jqDDfuX4\/e2Nkl\/scXFJE2lFyvqLCmw1owxbCSGjDvdoleLWCIxD5ZqSxFJpiSLpUtzlKKoiZ5mJLMK9tLWD3len3\/vq6Eb\/54OC5JHwBjj9CpFTjifKIkZ0ES4iaqYOpRbOteERLUoESwPhXqsv6JOEvJA+o8wbREdgxpFW5gXxpU2mqVNRJhE9kw\/ydT3RxCUiZp56j7QLAZFbcmGw4MJdUH6CBDEXr27JbTarr6dah2hfndUvG1zXOntfHYxhonrmRHKbwboLDcMRkCT0eUgupCo4VR+3dO2iMcQHoHLmw\/tMWg3+NQzmWqtxq\/8COiP1wLSojzTr58+4PoYx3h61AKhl6s2u3AP56j6gXkVxHrxa7usm2FMYBTaNY9cfSR77GLqx+MUiy6biJ+ei4ueEssi1RWUbgnX76XvwFxJO\/Z0dmmnVwS2iL1BQs0xBXeaGx0+rPX9bP51TBQlHPSk5maVExM1iDWAWpcSLzxgIxB14U28iqoSsUe6OzMYRjceB57SNw9dKFNoSHN2W7MhNR7\/kHqERTXXgLust2VYw2glUPFErnojoKtY7Yf1nJqKooU+fkb3yxj9JPp7xdRHU4iX2Vu4Ss9vPFCeKVWFwW4GE04Z6ukSNtrWpcpUR1Cc9hITE7zX7UtH+PnCoalJ+EuOekSe1ADfoC9dioV+YyTMJfwJDvvh4ndMjNHX1ff2p0n2bKydmuz8fvlLXawwDdYfaEyEkdVXbeOSJb7EnvArVETVTdjcjTXOWGaxnqbF+Bshiy2CGJ7zibwDIZYxOcv9sR6j1q8K8i3UWWtpHwr3TPrcYfq7bQn\/VIfJJeTUfjXSw\/zOjG0+kaT5lMHlKYfKkwuRPvBprfypWLAHOdLEhRENv4vrhK\/1EJONJ3e8UJV09751\/TF4WMXC409tCmES5w0UCkx2BAtz16ojM8OokVyc1sV13Ph5tj\/xn401CnAv1NmPtRHq8y2OKwhQFCR7BaYXbHHZa6JSje9oUnN03mxET+767w2FXQAzp3WLYx\/NG2C5+UXjzRTVD6qrEvdfUW32FvN+SpnmbLdotLNpFStlp7zZbuJJTat7nfL1WywuSJwd+x2eTH\/JnPuT8F4Di54yxlPTJz69MoYB405VRDRYtFRiYNfBoqtCaWCxyF+rJ9hwY1Tk7slIonHNGdU81i\/bOgbPx8+IucaTEL9WDZj121E35n8ekb2qX9TwmvFPlTxGZ9pLxg2NanDC6CyGHQBQI30FX3VsppeNUJm01FYcoGNMDOwqyXcqSbXrGSEB7D6xfNoRICk5cc6POMoYWY3Z0ls4yTlt0KTljvZiVnoBFU0JkcWnHpUcXacCMrKUqsKXzIa0Mf9gRoZeM9RHG+siOvHT2j3ysp1TzaO8xWYYpI8gH845BJwPqgPfvhKKMctxmsRjlAczJmGhjHIDfs+6r8ogwBbKcKVCa9Xu0r2R8Wa\/hRWp9L90KQvTwpeQBvgvtSPcXlIsc2yHwMZelcpH4W8S95JTKAaCzxGHUB79oPhUwveofYEbw+OkHI3TtwAuiRmxD8+2aY0WPONEDcicfRkRAVAb6KR9\/4lgGigBeoPOp8ymJ6u0gaAi1kcedL9O\/SiDbd+45fQ0WHy6UMSxalBbiqYyurAKRWRVMIuHk48oSE2FyFnI6zx4ymDrOcoGSEVAl2EYIDxoP4eRz6oi5iFba\/J34jXP1LMfJVcrKtdUG5GGhZGsO5ECFY3\/pXJIiMFk15BtigYSWIh0Azn0sjFPOv8HHKOCHTc7tq2pJqJRVVF1n+BJzdJerCrt2pzkeLOawqXbuAGkP42Vht1UQI16+wYLRyKO1VDO3wy2He+XsVCxCgZK1EgsFrvlbih2O5vm0G8+5lQPVa8vJrhzKLNdri5RRbLNJHca9ZP\/\/IU4u0MUfRHGk9LosiKwRR64rRifaNKUdDK9ELRAO\/oAdIPZnh\/8WGMt\/ilBONY7yj+ycdFkepa2CXXLIq1zyp3v+qTsO5r7wVkx113tXDK+KruAyaFg4g++i9ZKSzV0gQZFeM2xv0Nh6KVFWvOErp9eM0JVIDM\/yG8I5S03i9AdOlVEAng9L8L2JQ88C52Ofp0lA7iQMImbxQ4VgZA6tzLDBV5qLbTRK2OU4TdWRQuWy46RM+TLnoHP5o2MyL9Nl37vs7F2xzp5D83GyPK1WRQD+mEZB7ZhrbKTjMWhtIF1CmVhqU5\/u\/tpwwV+2skxkTXiXoJOoKEOLg+HRywyvblhZriY1LZO+f+S4sxonasK\/RkXcGrdPo1EUTENU42TAswaQnuQkDKkVWb5Na8FQBA2F1oii4yNBY2qAtSQxBdRSApFssppKU4gkFMfX8O3o64Go9nxbfJOWN\/XWih5\/oCW+x8tb6vL0NkpbXw8cd3a8D3h0w57f\/Pzwcdm5YhXomy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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-n3ifgjid.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n3ifgjid.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n3ifgjid.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n3ifgjid.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n3ifgjid.nxe :where(ul,ol){padding-left:20px}#nxe-n3ifgjid.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n3ifgjid.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n3ifgjid.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n3ifgjid.nxe svg{display:none}#nxe-n3ifgjid.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n3ifgjid.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n3ifgjid.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-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Insurance Nexus<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Insurance Nexus<\/h1><p class=\"nx-scene-lede\">Insurance-sector <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-governance\" data-tk=\"Nexus risk vocabulary\" data-td=\"The institutions, rules, processes and actors through which collective decisions about risk are made, implemented and reviewed.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk governance<\/a>, underwriting-relevant knowledge and risk protection gaps without underwriting. Insurance Nexus is an established platform of The Global Risks Alliance.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/about\/\">Open Industry scope and publisher <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/about\/\">About GRA<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>5<\/dd><dd class=\"nx-scene-stat-note\">Canonical methods this field applies<\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd>9<\/dd><dd class=\"nx-scene-stat-note\">Subject pages in the field<\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd>13<\/dd><dd class=\"nx-scene-stat-note\">Platforms in shared fields across the network<\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd>2<\/dd><dd class=\"nx-scene-stat-note\">Reports series it contributes to<\/dd><\/div><\/dl><\/section><section id=\"nx-sec-frameworks\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-1\"><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\">Frameworks<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">What the work is read against.<\/h2><p class=\"nx-lede\">The platform does not set standards. It reads its evidence against the frameworks that competent bodies have adopted, so a finding can be placed where a decision-maker already works.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Framework or standard<\/th><th scope=\"col\">Body<\/th><th scope=\"col\">What it sets<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Framework or standard\">Insurance Core Principles and ComFrame<\/td><td data-label=\"Body\">International Association of Insurance Supervisors (IAIS)<\/td><td data-label=\"What it sets\">The global baseline for insurance supervision, and the common framework for internationally active insurance groups, including the Insurance Capital Standard<\/td><\/tr><tr><td data-label=\"Framework or standard\">Solvency II<\/td><td data-label=\"Body\">European Union, with EIOPA technical standards and guidelines<\/td><td data-label=\"What it sets\">Risk-based capital, governance and disclosure requirements for insurers and reinsurers, calibrated to a one-in-two-hundred year loss over one year<\/td><\/tr><tr><td data-label=\"Framework or standard\">IFRS 17 Insurance Contracts<\/td><td data-label=\"Body\">International Accounting Standards Board<\/td><td data-label=\"What it sets\">Measurement and presentation of insurance contract liabilities, including the risk adjustment and the contractual service margin<\/td><\/tr><tr><td data-label=\"Framework or standard\">Own Risk and Solvency Assessment (ORSA)<\/td><td data-label=\"Body\">IAIS ICP 16, Solvency II, NAIC ORSA Model Act<\/td><td data-label=\"What it sets\">An insurer&#8217;s own assessment of its risks and capital needs over its business planning horizon, reported to the supervisor<\/td><\/tr><tr><td data-label=\"Framework or standard\">TCFD recommendations and IFRS S2 Climate-related Disclosures<\/td><td data-label=\"Body\">Financial Stability Board task force; International Sustainability Standards Board<\/td><td data-label=\"What it sets\">Disclosure of climate-related governance, strategy, risk management, metrics and targets, including scenario analysis<\/td><\/tr><tr><td data-label=\"Framework or standard\">Guidance on <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 climate-change\" data-tk=\"Nexus risk vocabulary\" data-td=\"A change in the state of the climate that persists for decades or longer, identified by shifts in averages and variability; in current practice, mainly the change driven by human emissions.\" data-ts=\"NRS-C1\" data-tr=\"draft\">climate change<\/a> materiality and scenarios in the ORSA<\/td><td data-label=\"Body\">European Insurance and Occupational Pensions Authority (EIOPA)<\/td><td data-label=\"What it sets\">How insurers assess the materiality of climate risk and run long-term climate scenarios within the ORSA<\/td><\/tr><tr><td data-label=\"Framework or standard\"><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/sendai-framework-alignment\/\">Sendai Framework<\/a> for Disaster <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-reduction\" data-tk=\"Nexus risk vocabulary\" data-td=\"Preventing new risk, reducing existing risk and managing residual risk, all contributing to resilience.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Risk Reduction<\/a><\/td><td data-label=\"Body\">UNDRR<\/td><td data-label=\"What it sets\">Priorities and targets for understanding disaster risk and investing in resilience, including <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-transfer\" data-tk=\"Nexus risk vocabulary\" data-td=\"Shifting the financial consequences of a risk from one party to another, typically through insurance, reinsurance, bonds or contracts, without reducing the hazard itself.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk transfer<\/a> and financial protection<\/td><\/tr><tr><td data-label=\"Framework or standard\">InsuResilience pro-poor principles<\/td><td data-label=\"Body\">InsuResilience Global Partnership<\/td><td data-label=\"What it sets\">Principles for climate and disaster risk finance and insurance that reaches poor and vulnerable people with fair value<\/td><\/tr><tr><td data-label=\"Framework or standard\">International Standards of Actuarial Practice and Actuarial Standards of Practice<\/td><td data-label=\"Body\">International Actuarial Association; Actuarial Standards Board (United States)<\/td><td data-label=\"What it sets\">Professional standards for actuarial work, including risk classification, catastrophe modelling and reliance on models<\/td><\/tr><tr><td data-label=\"Framework or standard\">Takaful governance, solvency and risk management standards<\/td><td data-label=\"Body\">Islamic Financial Services Board (IFSB)<\/td><td data-label=\"What it sets\">Principles for the governance, solvency and risk management of takaful and retakaful undertakings<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"signals\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A01\/home#signals\" data-nxf-title=\"Insurance Nexus signals\" data-nxf-height=\"520\" hidden><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"alerts\" data-nxf-kind=\"alerts\" data-nxf-resource=\"nexus:\/\/gra\/A01\/home#alerts\" data-nxf-title=\"Notices\" data-nxf-height=\"520\" hidden><\/div><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"climate\" aria-label=\"Monitor, Topics, Loss model, Overview\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Monitor, Topics, Loss model, Overview\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-s-2-sec\" aria-selected=\"true\" data-key=\"p1\">Monitor<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-s-3-sec\" aria-selected=\"false\" data-key=\"p2\">Topics<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-instrument\" aria-selected=\"false\" data-key=\"p3\">Loss model<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-overview\" aria-selected=\"false\" data-key=\"p4\">Overview<\/button><\/div><section id=\"nx-s-2-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><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\">Monitor<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Underwriting and claims console.<\/h2><p class=\"nx-lede\">The screen a team would use to follow this field: its measures, states and decisions. Names are examples and values are illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-insurance-underwriting\" data-cx=\"insurance.underwriting\" data-variant=\"section\" aria-label=\"Underwriting and claims console: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Underwriting and claims console<\/h3><p class=\"nx-fk-sub\">Insurer Alpha \u00b7 Quarter 1<\/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&#8217;s values<\/small><\/button><\/li><\/ul><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Combined ratio, % of NEP<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">111<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">6<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,17.1L10.2,14.6L18.4,19.3L26.5,21.6L34.7,18.1L42.9,17.7L51.1,15.6L59.3,19.2L67.5,23L75.6,19.3L83.8,15.3L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,17.1L10.2,14.6L18.4,19.3L26.5,21.6L34.7,18.1L42.9,17.7L51.1,15.6L59.3,19.2L67.5,23L75.6,19.3L83.8,15.3L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Solvency ratio, % of SCR<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">182<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,19.2L10.2,15.2L18.4,17.6L26.5,23L34.7,22.9L42.9,18.6L51.1,20.3L59.3,16.7L67.5,10.4L75.6,5.3L83.8,3L92,5.4L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,19.2L10.2,15.2L18.4,17.6L26.5,23L34.7,22.9L42.9,18.6L51.1,20.3L59.3,16.7L67.5,10.4L75.6,5.3L83.8,3L92,5.4\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"5.4\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Rate adequacy<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">1.08<\/span><span class=\"nx-fk-kpi-u\">index<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,17.1L18.4,19.8L26.5,15.4L34.7,9.5L42.9,3L51.1,4.1L59.3,5L67.5,5.5L75.6,6.6L83.8,6.5L92,5.8L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,17.1L18.4,19.8L26.5,15.4L34.7,9.5L42.9,3L51.1,4.1L59.3,5L67.5,5.5L75.6,6.6L83.8,6.5L92,5.8\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"5.8\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Claims in 30 days, %<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">79<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,9.2L10.2,5L18.4,4.9L26.5,11.7L34.7,16.6L42.9,23L51.1,18.6L59.3,22.3L67.5,17.3L75.6,21.6L83.8,22L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,9.2L10.2,5L18.4,4.9L26.5,11.7L34.7,16.6L42.9,23L51.1,18.6L59.3,22.3L67.5,17.3L75.6,21.6L83.8,22L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Property book above appetite<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Insurance Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Lines of business<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-insurance-underwriting-t1\"><table class=\"nx-fk-table\" data-fk-table=\"cx-insurance-underwriting-t1\" aria-label=\"Lines of business\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Line<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">GWP (local m)<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Loss ratio (%)<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Rate change<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Appetite<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-insurance-underwriting:r1-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Property, commercial<\/td><td data-num=\"true\" data-sv=\"149\">149<\/td><td data-num=\"true\" data-sv=\"66\">66<\/td><td data-sv=\"2.8566418779082596\">\u25b2 3<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Above<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-underwriting:r1-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Property, household<\/td><td data-num=\"true\" data-sv=\"265\">265<\/td><td data-num=\"true\" data-sv=\"63\">63<\/td><td data-sv=\"6.6066093381959945\">\u25b2 7<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-underwriting:r1-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Motor<\/td><td data-num=\"true\" data-sv=\"245\">245<\/td><td data-num=\"true\" data-sv=\"74\">74<\/td><td data-sv=\"5.7411405416205525\">\u25b2 6<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-underwriting:r1-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Health<\/td><td data-num=\"true\" data-sv=\"57\">57<\/td><td data-num=\"true\" data-sv=\"76\">76<\/td><td data-sv=\"8.507248671725392\">\u25b2 9<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Loss ratio<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Loss ratio\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-insurance-underwriting-c2\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Actual|ink|l||0:49.9;1:45.7;2:50.7;3:55.8;4:59.8;5:63.5;6:60.9;7:61.9;8:57.6;9:60.2;10:57.7;11:63.2;12:58.3;13:61.8;14:65.6;15:69.8;16:73.1;17:68.9;18:70.3;19:70.8;20:67.3;21:62.7;22:60.4;23:58.9~Plan|acc|l||0:47;1:48.1;2:48.4;3:48.5;4:50.5;5:53.6;6:56.2;7:58.6;8:61.3;9:65;10:68.1;11:65.7;12:63.8;13:61.8;14:60.3;15:61.1;16:63;17:62.1;18:65.2;19:68.7;20:70.6;21:71.9;22:73.9;23:77.3\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Underwriting and claims console: the screen&#8217;s structure, terms and states for Insurer Alpha.<\/span><span data-honesty=\"true\">Example names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-s-3-sec\" class=\"nx-section nx-band-panel\" data-hue=\"health\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><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\">Topics<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">The questions this field works on.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Insurance market structure<\/h3><p class=\"nx-p nx-mt-1\">Carriers, brokers and risk transfer roles.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/underwriting-and-pricing-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Underwriting and pricing risk<\/h3><p class=\"nx-p nx-mt-1\">Risk factors, data limits and role boundaries.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/property-and-casualty\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Property and casualty<\/h3><p class=\"nx-p nx-mt-1\">Catastrophe and portfolio exposure.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/health-and-life-insurance\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Health and life insurance<\/h3><p class=\"nx-p nx-mt-1\">Social, health and longevity risk.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/claims-and-operational-resilience\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Claims and operational resilience<\/h3><p class=\"nx-p nx-mt-1\">Continuity, fraud and claims systems.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-protection-gaps\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Insurance protection gaps<\/h3><p class=\"nx-p nx-mt-1\">Underinsurance and loss transmission.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/climate-and-nature-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Climate and nature risk<\/h3><p class=\"nx-p nx-mt-1\">Physical exposure and insurability.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Insurtech and AI<\/h3><p class=\"nx-p nx-mt-1\">AI model governance and customer effects.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/takaful-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Takaful risk<\/h3><p class=\"nx-p nx-mt-1\">Takaful insurance research, governance and risk distinctions.<\/p><\/a><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><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\">Loss model<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Loss exceedance, average annual loss and probable maximum loss.<\/h2><p class=\"nx-lede\">The loss a portfolio in the footprint can expect per year and at the 1 in 100 and 1 in 250 levels that insurers and lenders price, from the same three blocks every <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 catastrophe-model\" data-tk=\"Nexus risk vocabulary\" data-td=\"A model combining a stochastic hazard event set, exposure and vulnerability functions to estimate the distribution of losses from rare, severe events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">catastrophe model<\/a> uses. Teaching model with stated illustrative values, not a prediction.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-insurance-nexus-0\" data-nxi=\"hevl\" data-nxi-id=\"hevl\" data-nxi-z=\"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\" aria-label=\"Loss exceedance, average annual loss and probable maximum loss\"><div class=\"nx-in-body\"><div class=\"nx-in-main\"><div class=\"nx-in-tabs\" data-nxi-tabs=\"true\" aria-label=\"Views of the model\" hidden><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"result\">Result<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"fan\">Uncertainty<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"tornado\">Sensitivity<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"loops\">Loops<\/button><\/div><div class=\"nx-in-stage\" id=\"nx-in-insurance-nexus-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Loss exceedance curve\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-in-tip\" data-nxi-tip=\"true\" aria-live=\"polite\"><\/p><div class=\"nx-in-bar\" data-nxi-bar=\"true\" role=\"group\" aria-label=\"Play over time\" hidden><button type=\"button\" class=\"nx-in-btn\" data-nxi-prev=\"true\" aria-label=\"Step back\">&#8249;<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-play=\"true\" aria-pressed=\"false\">Play<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-next=\"true\" aria-label=\"Step forward\">&#8250;<\/button><span class=\"nx-in-step\" data-nxi-step=\"true\" aria-live=\"polite\"><\/span><\/div><\/div><div class=\"nx-in-side\"><p class=\"nx-eyebrow\">Controls<\/p><div class=\"nx-in-ctl\" data-nxi-ctl=\"true\"><dl class=\"nx-in-pv\"><div><dt>Typical annual hazard intensity (location)<\/dt><dd>1.00 intensity index<\/dd><\/div><div><dt>Spread of extremes (scale)<\/dt><dd>0.80 intensity index<\/dd><\/div><div><dt>Intensity at which half the value is lost<\/dt><dd>4.00 intensity index<\/dd><\/div><div><dt>Dispersion of vulnerability<\/dt><dd>0.55<\/dd><\/div><div><dt>Share of value in the hazard footprint<\/dt><dd>40%<\/dd><\/div><div><dt>Protection standard (return period)<\/dt><dd>50 years<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Average annual loss<\/dt><dd>0.51% of value<\/dd><\/div><div><dt>Loss at 1 in 100 years<\/dt><dd>24.5% of value<\/dd><\/div><div><dt>Loss at 1 in 250 years<\/dt><dd>28.4% of value<\/dd><\/div><div><dt>Intensity at 1 in 100 years<\/dt><dd>4.68 intensity index<\/dd><\/div><\/dl><\/div><\/div><details class=\"nx-in-more\"><summary>Numbers, methods and sources<\/summary><div class=\"nx-in-more-in\"><div class=\"nx-in-tblw\" data-nxi-table=\"true\"><table class=\"nx-in-tbl\"><thead><tr><th scope=\"col\">Return period (years)<\/th><th scope=\"col\">Intensity (intensity index)<\/th><th scope=\"col\">Loss (% of value)<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">1<\/th><td>0.09<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>1.27<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>1.91<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>2.47<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">13<\/th><td>3.00<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">24<\/th><td>3.51<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">44<\/th><td>4.02<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">82<\/th><td>4.53<\/td><td>23.55<\/td><\/tr><tr><th scope=\"row\">154<\/th><td>5.03<\/td><td>26.44<\/td><\/tr><tr><th scope=\"row\">287<\/th><td>5.53<\/td><td>28.87<\/td><\/tr><tr><th scope=\"row\">536<\/th><td>6.03<\/td><td>30.88<\/td><\/tr><tr><th scope=\"row\">1,000<\/th><td>6.53<\/td><td>32.53<\/td><\/tr><\/tbody><\/table><\/div><button type=\"button\" class=\"nx-in-btn\" data-nxi-csv=\"true\" hidden>Download the numbers (CSV)<\/button><h4 class=\"nx-h4\">Methods<\/h4><ol class=\"nx-in-meth\"><li>Gumbel extreme-value hazard <span class=\"nx-in-cite\">Gumbel (1958), Statistics of Extremes, Columbia University Press<\/span><\/li><li>Lognormal fragility (vulnerability) <span class=\"nx-in-cite\">FEMA (2003), HAZUS-MH Technical Manual<\/span><\/li><li>Exceedance-probability curve and average annual loss <span class=\"nx-in-cite\">Grossi and Kunreuther (2005), Catastrophe Modeling, Springer<\/span><\/li><li>Levee effect <span class=\"nx-in-cite\">Di Baldassarre and others (2013), Socio-hydrology, HESS 17<\/span><\/li><li>Uncertainty fan (parameter Monte Carlo) <span class=\"nx-in-cite\">Spiegelhalter, Pearson and Short (2011), Visualising uncertainty about the future, Science 333<\/span><\/li><li>One-at-a-time sensitivity (tornado) <span class=\"nx-in-cite\">Saltelli and others (2008), Global Sensitivity Analysis: The Primer, Wiley<\/span><\/li><\/ol><h4 class=\"nx-h4\">Data<\/h4><p class=\"nx-p\">The model runs on the teaching values set by the controls. To calibrate it for a place, read it against these admitted layers and series, which this page&#8217;s map can draw:<\/p><ul class=\"nx-in-src\"><li>Rivers <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Urban extents <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Cities <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Earthquakes M4.5+, past week (USGS) <span class=\"nx-in-cite\">U.S. Geological Survey \u00b7 register usgs.earthquake.summary-feeds<\/span><\/li><li>Rain rate, last half hour (IMERG) <span class=\"nx-in-cite\">NASA GPM IMERG Early \u00b7 register nasa.gibs.context-live-layers<\/span><\/li><li>River discharge forecast, 30 days with range (GloFAS via Open-Meteo) <span class=\"nx-in-cite\">Open-Meteo.com (CC BY 4.0), Copernicus GloFAS \u00b7 register open-meteo.public-pages<\/span><\/li><li>Built-up and settlement extent, 2010 (HBASE, Landsat) <span class=\"nx-in-cite\">CIESIN\/Columbia, NASA SEDAC HBASE \u00b7 register sedac.context-urban-layers<\/span><\/li><\/ul><\/div><\/details><figcaption class=\"nx-caption\">Loss exceedance, average annual loss and probable maximum loss. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: Gumbel extreme-value hazard (Gumbel (1958), Statistics of Extremes, Columbia University Press); Lognormal fragility (vulnerability) (FEMA (2003), HAZUS-MH Technical Manual); Exceedance-probability curve and average annual loss (Grossi and Kunreuther (2005), Catastrophe Modeling, Springer).<\/figcaption><div class=\"nx-in-pls\"><p class=\"nx-eyebrow\">Across the six pillars, led by Nexus Consortium<\/p><ul class=\"nx-in-pl\" aria-label=\"Where this instrument connects across the pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Experiments<\/span> <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Built in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/foundry\/\">Insurance Nexus in Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Tested at<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/universe\/\">Insurance Nexus in Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Codified in<\/span> <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Published in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/reports\/\">Insurance Nexus in Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Taught in<\/span> <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><\/li><\/ul><\/div><span class=\"nx-in-keep\" hidden><i data-c=\"c1\"><\/i><i data-c=\"c2\"><\/i><i data-c=\"c3\"><\/i><i data-c=\"c4\"><\/i><i data-c=\"c5\"><\/i><i data-c=\"c6\"><\/i><i data-c=\"l0\"><\/i><i data-c=\"l1\"><\/i><i data-c=\"l2\"><\/i><i data-c=\"l3\"><\/i><i data-c=\"l5\"><\/i><i data-c=\"h3\"><\/i><i data-c=\"neg\"><\/i><i data-c=\"on0\"><\/i><i data-c=\"on1\"><\/i><i data-l=\"0\"><\/i><i data-l=\"1\"><\/i><i data-l=\"2\"><\/i><i data-l=\"3\"><\/i><i data-l=\"4\"><\/i><i data-l=\"5\"><\/i><i data-on=\"0\"><\/i><i data-on=\"1\"><\/i><i data-pol=\"p\"><\/i><i data-pol=\"n\"><\/i><i data-k=\"R\"><\/i><i data-k=\"B\"><\/i><i data-k=\"dash\"><\/i><i data-dash=\"true\"><\/i><i data-view=\"result\"><\/i><i data-nxi-live=\"on\"><\/i><i data-nxi-live=\"off\"><\/i><i class=\"nx-in-svg nx-in-grid nx-in-ax nx-in-tk nx-in-at nx-in-ln nx-in-band nx-in-lbl nx-in-lk nx-in-ref nx-in-reft nx-in-mk nx-in-x nx-in-rect nx-in-val nx-in-rowl nx-in-cl nx-in-arrow nx-in-pol nx-in-cln nx-in-loop nx-in-edge nx-in-node nx-in-nl nx-in-reach nx-in-trib nx-in-agent nx-in-flow nx-in-legend nx-in-sw nx-in-note nx-in-loops nx-in-3d nx-in-cv nx-in-field nx-in-fl nx-in-fv nx-in-range nx-in-btn nx-in-err nx-in-tbl nx-in-cite\"><\/i><\/span><\/figure><\/div><\/div><\/section><section id=\"nx-sec-overview\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"split\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><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\">Overview<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">What Insurance Nexus does.<\/h2><p class=\"nx-lede\">Insurance risk is the uncertainty an insurer accepts when it promises to pay for future losses: how often they occur, how large they are and how they accumulate. Insurance Nexus, the Global Risks Alliance&#8217;s platform for the sector, explains how that risk is written, priced, reinsured and supervised, and where losses fall outside cover. It shares industry understanding and does not underwrite, price or advise.<\/p><\/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=\"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\">Who it serves<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its community<\/h3><p class=\"nx-p nx-mt-1\">Insurance risk professionals; brokers and insurers; actuaries; insurance researchers.<\/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=\"M6 18h8\"\/><path d=\"M3 22h18\"\/><path d=\"M14 22a7 7 0 1 0 0-14h-1\"\/><path d=\"M9 14h2\"\/><path d=\"M9 12a2 2 0 0 1-2-2V6h6v4a2 2 0 0 1-2 2Z\"\/><path d=\"M12 6V3a1 1 0 0 0-1-1H9a1 1 0 0 0-1 1v3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">How it works<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its methods<\/h3><p class=\"nx-p nx-mt-1\">Exposure analysis; <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-transfer\" data-tk=\"Nexus risk vocabulary\" data-td=\"Shifting the financial consequences of a risk from one party to another, typically through insurance, reinsurance, bonds or contracts, without reducing the hazard itself.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk transfer<\/a> concepts; <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 protection-gap\" data-tk=\"Nexus risk vocabulary\" data-td=\"The difference between total economic losses from hazards and the share covered by insurance or other pre-arranged protection, leaving households, firms and governments to absorb the rest.\" data-ts=\"NRS-C1\" data-tr=\"draft\">protection gap<\/a> studies.<\/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=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">What it produces<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its outputs<\/h3><p class=\"nx-p nx-mt-1\">Insurance-risk guides; sector resilience briefs; evidence-to-diligence methods.<\/p><\/div><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-twin\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" data-span=\"wide\" data-ns-layout=\"twin\" aria-labelledby=\"nx-s-6\"><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\">Twin and cascade simulator<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Trace a shock in Insurance Nexus to the balance sheet.<\/h2><p class=\"nx-lede\">Assembled from the <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> area profile <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/insurance-and-reinsurance\/\">Insurance and reinsurance<\/a>: the shocks it names, the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> and sectors that carry the loss, the controls that dampen it and the data that observe it. Pick an initiating shock and step through the cascade to see which exposures it reaches and where losses could concentrate. The Map view places the run on an example geography with open data. Every weight is a stated assumption. An exercise, not a forecast, a valuation, a rating or investment advice. To model a place of your own choosing, open the full <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/system-builder\/\">System Builder<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-ns-twin\" data-ns-data=\"nx-twin-es-home-A01\" data-ns-credits=\"Nexus Standards registry and area profiles; Nexus Hazard Standard NHS-1 1.1.0\"><div class=\"nx-ns-twin-static\"><div><p class=\"nx-eyebrow\">Hazards<\/p><ul class=\"nx-list\"><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/hydrometeorological-hazard-standards\/\" data-tc=\"NHS-1 atmo.cyclone.tropical-cyclone\" data-tk=\"Atmosphere and weather \u00b7 Cyclonic storm systems\" data-td=\"A warm-core rotating storm over tropical oceans whose winds, rain and surge threaten coasts and inland river basins.\" data-ts=\"NRS-H2\" data-tr=\"draft\">Tropical cyclone<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/geophysical-hazard-standards\/\" data-tc=\"NHS-1 geo.seismic.earthquake\" data-tk=\"Solid Earth \u00b7 Fault shaking and rupture\" data-td=\"Sudden slip on a fault releasing seismic waves that shake the ground and damage structures and lifelines.\" data-ts=\"NRS-H17\" data-tr=\"draft\">Earthquake<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h9\" data-tc=\"NHS-1 water.flood.ice-jam-flood\" data-tk=\"Water systems \u00b7 Freshwater inundation\" data-td=\"River water backing up behind an ice blockage and flooding adjacent land, sometimes with ice and debris.\" data-ts=\"NRS-H9\" data-tr=\"draft\">Ice-jam flood<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/wildfire-and-vegetation-fire-standards\/\" data-tc=\"NHS-1 eco.wildfire.wildfire\" data-tk=\"Land and ecosystems \u00b7 Vegetation and peat fire\" data-td=\"An uncontrolled fire in forest, scrub or grass that burns structures, crops and habitat and fills the air with smoke.\" data-ts=\"NRS-H24\" data-tr=\"draft\">Wildfire<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h11\" data-tc=\"NHS-1 water.coastal.storm-surge\" data-tk=\"Water systems \u00b7 Coastal and sea-level hazards\" data-td=\"Sea level pushed above the tide by storm wind and low pressure, flooding the coast.\" data-ts=\"NRS-H11\" data-tr=\"draft\">Storm surge<\/a> (set off downstream)<\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h4\" data-tc=\"NHS-1 atmo.precipitation.heavy-rain\" data-tk=\"Atmosphere and weather \u00b7 Precipitation extremes\" data-td=\"Rain falling fast or long enough to overwhelm drainage, soils and streams and to trigger floods and slope failures.\" data-ts=\"NRS-H4\" data-tr=\"draft\">Intense rainfall<\/a> (set off downstream)<\/li><li>River flood (set off downstream)<\/li><li>Flash flood (set off downstream)<\/li><li>Dangerous surf (set off downstream)<\/li><li>Widespread power outage (set off downstream)<\/li><li>Mass displacement (set off downstream)<\/li><li>Coastal flood (set off downstream)<\/li><li>Aftershock sequence (set off downstream)<\/li><li>Fault surface rupture (set off downstream)<\/li><li>Soil liquefaction (set off downstream)<\/li><li>Slope slide (set off downstream)<\/li><li>Rockfall (set off downstream)<\/li><li>Tsunami (set off downstream)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Systems and couplings<\/p><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/insurance-and-reinsurance\/\">Insurance and reinsurance<\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/banking\/\">Banking<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/development-finance-institutions\/\">Development finance institutions<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/humanitarian\/humanitarian-sector-standards\/\">Humanitarian and civil society<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/water-food\/agriculture-sector-standards\/\">Agriculture and land use<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Controls<\/p><ul class=\"nx-list\"><li><code>NS-0<\/code> Constitution and principles<\/li><li><code>NS-3<\/code> Risk record UNIs (grammar, legacy crosswalk, allocation authority)<\/li><li><code>NS-9<\/code> Contextual UNIs (deployments, instances, programme instances)<\/li><li><code>NS-10<\/code> Policies and clauses (machine-readable obligations: definition, binding, evaluation and enforcement)<\/li><li><code>NS-11<\/code> Verification and monitoring (evidence, attestations, zero-trust conformance observation)<\/li><li><code>NS-14<\/code> Conformance and crosswalk to external standards<\/li><li><code>NRS-F3<\/code> Insurance, catastrophe risk and protection gaps<\/li><li><code>NRS-H113<\/code> Hazard family: Financial-system fragility (NHS-1 soc.financial-system)<\/li><li><code>NRS-U17<\/code> <a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a> platform profile: Insurance Nexus<\/li><li><code>NRS-H71<\/code> Hazard family: Deep-time and cosmic catastrophes (NHS-1 planet.deep-time)<\/li><li><code>NRS-H65<\/code> Hazard family: Planetary boundary transgressions (NHS-1 planet.boundary)<\/li><li><code>NRS-F8<\/code> Parametric and index-based risk transfer<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Observation<\/p><ul class=\"nx-list\"><li>OECD Data Explorer (incl. Creditor Reporting System, insurance and pension statistics) (listed for reference)<\/li><li>Insurance statistics (listed for reference)<\/li><li>USGS earthquake GeoJSON summary feeds (listed for reference)<\/li><li>Direct economic loss attributed to disasters in relation to global gross domestic product (GDP)<\/li><li>Direct economic loss attributed to disasters in relation to global gross domestic product<\/li><li>(a) Number of commercial bank branches per 100,000 adults and (b) number of automated teller machines (ATMs) per 100,000 adults<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Example geography<\/p><ul class=\"nx-list\"><li>Western Europe: 152 hexagonal cells<\/li><li>Rain rate, last half hour (IMERG), NASA GIBS<\/li><li>Night lights tonight, outages (VIIRS Day\/Night Band), NASA GIBS<\/li><li>Surface water through cloud, 30 m (OPERA DSWx-S1 radar), NASA GIBS<\/li><li>Carbon monoxide, smoke transport (AIRS), NASA GIBS<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-the-problem\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-7\"><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\">The problem<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Insurance absorbs shocks, until it cannot.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Insurance is one of the main ways societies share the cost of misfortune. By pooling many independent risks, insurers can pay the losses of the few from the premiums of the many, and reinsurers spread the largest risks across global capital. This mechanism lets households rebuild, firms resume trading and lenders extend credit against insured assets.<\/p><p class=\"nx-p\">The mechanism depends on conditions that are under strain. Pooling works best when losses are independent, measurable and not too large relative to capital. <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 climate-change\" data-tk=\"Nexus risk vocabulary\" data-td=\"A change in the state of the climate that persists for decades or longer, identified by shifts in averages and variability; in current practice, mainly the change driven by human emissions.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Climate change<\/a> is increasing the frequency and severity of some hazards and making past loss experience a weaker guide to the future. Cyber risk, pandemics and supply-chain failures produce correlated losses that strike many policyholders at once. Where risk rises faster than incomes, cover becomes unaffordable or is withdrawn, and losses fall back on households, firms and public budgets.<\/p><p class=\"nx-p\">These failures cascade. Uninsured losses slow recovery after disasters, weaken borrowers, depress property values and add to public debt. Large insured losses, in turn, test insurer capital, raise reinsurance prices and transmit stress to the wider financial system. Understanding these channels is a shared problem for the whole industry, and no single firm can solve it alone.<\/p><\/div><\/div><\/section><section id=\"nx-sec-signature\" class=\"nx-section\" data-hue=\"climate\" 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\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sector signature<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where exposure in Insurance Nexus travels.<\/h2><p class=\"nx-lede\">The sectors that carry exposure in Insurance Nexus and how a loss in one passes to the others, across portfolios and public finances.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-nsig\" data-nx-sig=\"WIFH\" data-sig-name=\"Health and its partners\" data-sig-line=\"Health gives workforce for operations to infrastructure (0.3), farm labour to food (0.3) and utility workforce to water (0.2).\" data-sig-inst=\"The Global Risks Alliance\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Signatures in context\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select corners \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">6 \/ 15 relations<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"Sector signature hexagon: Water, Infrastructure, Food and Health selected, 6 of 15 relations in play, coupling 0.42. Teaching values.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Signature<\/p><p class=\"nx-nsig-name\">Health and its partners<\/p><p class=\"nx-nsig-line\">Health gives workforce for operations to infrastructure (0.3), farm labour to food (0.3) and utility workforce to water (0.2).<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>W<\/span> \u00b7 <span class=\"nx-nsig-off\">E<\/span> \u00b7 <span>I<\/span> \u00b7 <span>F<\/span> \u00b7 <span>H<\/span> \u00b7 <span class=\"nx-nsig-off\">B<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Sectors<\/dt><dd><strong>4<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Relations<\/dt><dd><strong>6<\/strong> <small>of 15<\/small><\/dd><\/div><div><dt>Coupling<\/dt><dd><strong>0.42<\/strong> <small>share of total<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Strongest relations in play<\/h3><ul class=\"nx-nsig-rel\"><li><span class=\"nx-nsig-rt\"><b>Water \u2192 Food<\/b> \u00b7 irrigation<\/span><span class=\"nx-nsig-bar\" data-v=\"8\" aria-hidden=\"true\"><i><\/i><\/span><span class=\"nx-nsig-v\">0.8<\/span><\/li><li><span class=\"nx-nsig-rt\"><b>Food \u2192 Health<\/b> \u00b7 nutrition<\/span><span class=\"nx-nsig-bar\" data-v=\"7\" aria-hidden=\"true\"><i><\/i><\/span><span class=\"nx-nsig-v\">0.7<\/span><\/li><li><span class=\"nx-nsig-rt\"><b>Infrastructure \u2192 Water<\/b> \u00b7 pipes, dams and treatment works<\/span><span class=\"nx-nsig-bar\" data-v=\"6\" aria-hidden=\"true\"><i><\/i><\/span><span class=\"nx-nsig-v\">0.6<\/span><\/li><li><span class=\"nx-nsig-rt\"><b>Water \u2192 Health<\/b> \u00b7 drinking water and sanitation<\/span><span class=\"nx-nsig-bar\" data-v=\"7\" aria-hidden=\"true\"><i><\/i><\/span><span class=\"nx-nsig-v\">0.7<\/span><\/li><\/ul><\/div><div class=\"nx-nsig-actions\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-sig-act=\"all\">Select all<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-sig-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-sig-act=\"copy\">Copy signature<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">Teaching values for a typical city-region, not measurements for any place. Coupling is the summed strength of the relations in play, as a share of all fifteen.<\/figcaption><\/figure><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-hue=\"health\" aria-label=\"What the platform does, Exposure, loss and capital, Foundations and counterparts\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"What the platform does, Exposure, loss and capital, Foundations and counterparts\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-what-the-platform-does\" aria-selected=\"true\" data-key=\"p1\">What the platform does<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p2\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-foundations-and-counterparts\" aria-selected=\"false\" data-key=\"p3\">Foundations and counterparts<\/button><\/div><section id=\"nx-sec-what-the-platform-does\" class=\"nx-section nx-band-panel\" data-hue=\"health\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><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\">What the platform does<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Shared understanding, not underwriting.<\/h2><p class=\"nx-lede\">Insurance Nexus is designed for insurance risk professionals, brokers and insurers, actuaries and insurance researchers who need common evidence and methods on systemic questions.<\/p><\/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=\"M8 3H2v15h7c1.7 0 3 1.3 3 3V7c0-2.2-1.8-4-4-4Z\"\/><path d=\"m16 12 2 2 4-4\"\/><path d=\"M22 6V3h-6c-2.2 0-4 1.8-4 4v14c0-1.7 1.3-3 3-3h7v-2.3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Guides<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Insurance-risk guides<\/h3><p class=\"nx-p nx-mt-1\">Sector-level explanations of exposures, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-transfer\" data-tk=\"Nexus risk vocabulary\" data-td=\"Shifting the financial consequences of a risk from one party to another, typically through insurance, reinsurance, bonds or contracts, without reducing the hazard itself.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk transfer<\/a> concepts and data limits, designed for shared professional use.<\/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=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Briefs<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Sector resilience briefs<\/h3><p class=\"nx-p nx-mt-1\">Evidence on how the sector absorbs and transmits shocks, with uncertainty and limits stated.<\/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\"><rect width=\"8\" height=\"4\" x=\"8\" y=\"2\" rx=\"1\" ry=\"1\"\/><path d=\"M16 4h2a2 2 0 0 1 2 2v14a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V6a2 2 0 0 1 2-2h2\"\/><path d=\"m9 14 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Evidence-to-diligence methods<\/h3><p class=\"nx-p nx-mt-1\">Ways to turn hazard and exposure evidence into material a competent institution can review independently.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">GRA does not underwrite, sell, solicit, negotiate, place or broker insurance, and it does not rate, advise on or arrange transactions. Readiness work is not approval. Because members compete, GRA&#8217;s programmes are designed around competition-law safeguards that keep cooperation precompetitive, set out in a written competition policy.<\/p><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><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\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What Insurance Nexus means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"2\"><figure class=\"nx-au-c\" data-au-fig=\"exposure-loss\"><h3 class=\"nx-h4\">Exposure and loss at return periods<\/h3><p class=\"nx-p nx-au-what\">How losses from Insurance Nexus grow with severity, gross and net of reinsurance, against capital.<\/p><div class=\"nx-au-cols\"><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Exceedance probability curve, gross and net loss by return period\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"50\" y1=\"186\" x2=\"540\" y2=\"186\"\/><line class=\"nx-au-ax\" x1=\"50\" y1=\"16\" x2=\"50\" y2=\"186\"\/><path class=\"nx-au-ln\" d=\"M50 156.3l163.3-40.4 163.4-27.6 163.3-46.8\"\/><path class=\"nx-au-ac\" d=\"M50 164.8l163.3-23.4 163.4-12.8 163.3-25.5\"\/><text class=\"nx-au-t\" x=\"50\" y=\"202\" text-anchor=\"middle\">1 in 10<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"50.0\" cy=\"164.8\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"213.33\" y=\"202\" text-anchor=\"middle\">1 in 50<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"213.3\" cy=\"141.4\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"376.67\" y=\"202\" text-anchor=\"middle\">1 in 100<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"376.7\" cy=\"128.6\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"540\" y=\"202\" text-anchor=\"middle\">1 in 250<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"540.0\" cy=\"103.1\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"534\" y=\"33.5\" text-anchor=\"end\">gross<\/text><text class=\"nx-au-t\" x=\"526\" y=\"129.13\" text-anchor=\"end\">net of reinsurance<\/text><text class=\"nx-au-t\" x=\"44\" y=\"20\" text-anchor=\"end\">80<\/text><text class=\"nx-au-t\" x=\"44\" y=\"190\" text-anchor=\"end\">0<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Return period<\/th><th scope=\"col\">Annual probability<\/th><th scope=\"col\">Gross loss<\/th><th scope=\"col\">Net loss<\/th><th scope=\"col\">Net, capital = 100<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Return period\">1 in 10<\/td><td data-label=\"Annual probability\">0.10<\/td><td data-label=\"Gross loss\">14<\/td><td data-label=\"Net loss\">10<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">10<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 50<\/td><td data-label=\"Annual probability\">0.02<\/td><td data-label=\"Gross loss\">33<\/td><td data-label=\"Net loss\">21<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">21<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 100<\/td><td data-label=\"Annual probability\">0.01<\/td><td data-label=\"Gross loss\">46<\/td><td data-label=\"Net loss\">27<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">27<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 250<\/td><td data-label=\"Annual probability\">0.004<\/td><td data-label=\"Gross loss\">68<\/td><td data-label=\"Net loss\">39<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">39<\/span><\/td><\/tr><tr><td data-label=\"Return period\">Average annual loss<\/td><td data-label=\"Annual probability\"><\/td><td data-label=\"Gross loss\">3.1<\/td><td data-label=\"Net loss\">2.2<\/td><td data-label=\"Net, capital = 100\">2.2<\/td><\/tr><\/tbody><\/table><\/div><\/div><figcaption class=\"nx-caption\"><span>Illustrative loss index for a example portfolio (capital = 100): the exceedance-probability form insurers and supervisors read. Not data on any institution, not a price or a rating.<\/span><\/figcaption><\/figure><figure class=\"nx-au-c\" data-au-fig=\"scenario-pathways\"><h3 class=\"nx-h4\">Scenario pathways<\/h3><p class=\"nx-p nx-au-what\">How Insurance Nexus could be stressed under the scenario families central banks and supervisors use.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Combined transition and physical pressure under three scenario families\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"46\" y1=\"190\" x2=\"450\" y2=\"190\"\/><line class=\"nx-au-ax\" x1=\"46\" y1=\"16\" x2=\"46\" y2=\"190\"\/><path class=\"nx-au-ln\" d=\"M46 155.2l80.8-38.3 80.8-13.9 80.8 7 80.8 10.4 80.8 8.7\"\/><text class=\"nx-au-t\" x=\"458\" y=\"133.1\" text-anchor=\"start\">Orderly<\/text><path class=\"nx-au-ac\" d=\"M46 155.2l80.8-3.5 80.8-13.9 80.8-73.1 80.8 10.5 80.8 19.1\"\/><text class=\"nx-au-t\" x=\"458\" y=\"98.3\" text-anchor=\"start\">Disorderly<\/text><path class=\"nx-au-ln nx-au-dash\" d=\"M46 155.2l80.8-7 80.8-10.4 80.8-13.9 80.8-20.9 80.8-27.8\"\/><text class=\"nx-au-t\" x=\"458\" y=\"79.16\" text-anchor=\"start\">Hot house world<\/text><text class=\"nx-au-t\" x=\"46\" y=\"206\" text-anchor=\"middle\">2025<\/text><text class=\"nx-au-t\" x=\"126.8\" y=\"206\" text-anchor=\"middle\">2030<\/text><text class=\"nx-au-t\" x=\"207.6\" y=\"206\" text-anchor=\"middle\">2035<\/text><text class=\"nx-au-t\" x=\"288.4\" y=\"206\" text-anchor=\"middle\">2040<\/text><text class=\"nx-au-t\" x=\"369.2\" y=\"206\" text-anchor=\"middle\">2045<\/text><text class=\"nx-au-t\" x=\"450\" y=\"206\" text-anchor=\"middle\">2050<\/text><text class=\"nx-au-t\" x=\"40\" y=\"33.4\" text-anchor=\"end\">high<\/text><text class=\"nx-au-t\" x=\"40\" y=\"172.6\" text-anchor=\"end\">low<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Scenario family<\/th><th scope=\"col\">Transition risk<\/th><th scope=\"col\">Physical risk<\/th><th scope=\"col\">What a stress test asks<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Scenario family\">Orderly<\/td><td data-label=\"Transition risk\">Early, gradual policy<\/td><td data-label=\"Physical risk\">Lower<\/td><td data-label=\"What a stress test asks\">Can the book absorb a steady repricing?<\/td><\/tr><tr><td data-label=\"Scenario family\">Disorderly<\/td><td data-label=\"Transition risk\">Late, abrupt policy<\/td><td data-label=\"Physical risk\">Lower to medium<\/td><td data-label=\"What a stress test asks\">What breaks under a sudden repricing and credit migration?<\/td><\/tr><tr><td data-label=\"Scenario family\">Hot house world<\/td><td data-label=\"Transition risk\">Limited policy<\/td><td data-label=\"Physical risk\">High and rising<\/td><td data-label=\"What a stress test asks\">Where do physical losses concentrate in collateral and insurance?<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Scenario families as defined by the NGFS; the curves are an illustrative combined pressure index, not NGFS variables or forecasts.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-foundations-and-counterparts\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"split\" aria-labelledby=\"nx-s-11\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><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\">Foundations and counterparts<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Methods from the STEM Commons, partners across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Insurance Nexus applies <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\">actuarial mathematics<\/a>, extreme value theory and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 tail-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk from outcomes at the far end of a distribution, which are rare but carry very large consequences and often dominate total expected harm.\" data-ts=\"NRS-C1\" data-tr=\"draft\">tail risk<\/a>, probability and statistics, climate and atmospheric science and artificial intelligence and machine learning, each described with its assumptions on the STEM foundation of Insurance Nexus. Inside Foundry it works with the <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s3\" data-tc=\"NXS-DSS\" data-tk=\"Nexus system\" data-td=\"Decision cases and deliberation\" data-ts=\"NRS-S3\">NXS-DSS (decision cases and deliberation)<\/a>, The Global Risks Index (<a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s6\" data-tc=\"NXS-GRX\" data-tk=\"Nexus system\" data-td=\"Canonical data, provenance and risk\" data-ts=\"NRS-S6\">NXS-GRX<\/a>) and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s7\" data-tc=\"NXS-EOP\" data-tk=\"Nexus system\" data-td=\"Earth observation and digital twins\" data-ts=\"NRS-S7\">NXS-EOP (earth observation and digital twins)<\/a> <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>, and its work is designed for the Finance and Insurance Readiness and Global Sector Risk and Resilience report series. In the annual Universe programme, its planned theme is <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 protection-gap\" data-tk=\"Nexus risk vocabulary\" data-td=\"The difference between total economic losses from hazards and the share covered by insurance or other pre-arranged protection, leaving households, firms and governments to absorb the rest.\" data-ts=\"NRS-C1\" data-tr=\"draft\">protection gap<\/a> evidence for a national portfolio.<\/p><p class=\"nx-p\">Hazard and exposure science comes from The Global Centre for Risk and Innovation (GCRI), including <a class=\"nx-link\" href=\"https:\/\/therisk.global\/climate-hazards\/\">Climate and Hazards at The Global Centre for Risk and Innovation (GCRI)<\/a>, Disaster Resilience and Recovery at The Global Centre for Risk and Innovation (GCRI) and Health Nexus at The Global Centre for Risk and Innovation (GCRI). Governance of the same risks is convened at the Global Risks Forum (GRF) by <a class=\"nx-link\" href=\"https:\/\/globalriskforum.com\/climate-nature-governance\/\">Climate and Nature Governance at the Global Risks Forum (GRF)<\/a> and Health and Biosecurity Governance at the Global Risks Forum (GRF). Within GRA, it works alongside <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/\">Reinsurance and Catastrophe<\/a>, Disaster Risk Finance and Actuarial and Quantitative Risk. All counterparts are listed on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/counterparts\/\">counterparts across the Consortium<\/a>.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-spatial\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-12\"><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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-12\" 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: GEBCO 2020 Grid | synthetic storm and design terms\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | GEBCO Compilation Group (2020) GEBCO 2020 Grid (doi:10.5285\/a29c5465-b138-234d-e053-6c86abc040b9), relief ~ public domain, not for navigation ~ https:\/\/www.gebco.net\/data-products\/gridded-bathymetry-data | 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=\"1X3ZjutGluCvBAgMxkYpmIyNS2ZKgO3y2DWt6zF8DTem3yiKKRFJkWqSyuXifkA\/zyfOlwzOiaC4iBQl5e0uDKp8kyIZZ4uzxYmFj+vkhURpWJZzK3ujT890G4dra\/E4eD\/JNtbicSu6T6qkSmNr8XtYhLu4KpKIVEWy2cTFPQlJ9B6leRaTqMjLMsk2pNrG9XPyJc\/ix7utWDzuuyDLw8pa\/BHv0\/CdhKSs8mJH9mFZkf8Z7sIkCkmYrUmU7\/ZhEZPXbViRkKzytyNgeBySKE5Tsg534SYmSbaO38hrfkjXZB++z4COjFRxWZFVXm3JOi6TTVaSPCMhkYxqnHFWxrtVGtuPd\/vF4yHtUhltk31pLR7T5PS+tXhcLf6IN0mePd6tFobux7s0OfP+73GRpPD6n0W+T6IwrcU30e5nQyY0lUzLq9Rt7g7p4vFunbwMdGkYVUmeAQflPsx6PRBvSPZGyye6y9exRYo8jefWpsgPe4uERRLSNFzF6dz6K4lfLbIOq7B+mR4Ssk3W6zhbPK4OVZVnpHrfx3NL\/+i+PLfSOCwyA3NfxGUZr+dWVRxia7GER493ut1FwOK3fVxUfWhPYVrG1uJnfNjAuwO2R8B2hLGqakRaanNrF2cHg2Ublvt8f9gbovXN+G0fZusG91Eg5cuGvCTx64\/529xyiEO4JFzWoPClGtBTHh3KcAVyNww87kNQ1bn1iXEiXxiz7pp7O48whyj4H1XtB58U4c6WSbh3V75sQA55Ww59vdbM1fzCr5qkmgvQrPHeqIUUIx66B6\/xD7DCx3IXpuni999+IfkTeoJduCd5QaJtCATpx60O0lp\/Ba6ofLEWfw+r0KD66fNfNaqnZHMo4v9ekpcwPcTlt8BWvmysxV9xVOWFwff5rxZrSXaWsZZp6n\/7\/fC8T0qDOJtbcsDTPO+TQet93ic0tRaf0YmFFfnzb4w7ZFtr\/IknwPeTLG7YBB2dW8\/75B69ySiWF9PkeW4919dVrcIL36lRDrc+WIvnLK\/K+i0th+F3W32QHyqkLauJ+yms4k1evBPWZrHLS7kPi+eGm5dNz+HBY6trm4FLuHuZbRJwNnHxEv9Q7uOo+iOsknxuZXnWmC1Qs5tbZVjEYSO1Eq7n1ic+42Lp2mrGme0tGZuxwPaXTNlqxjzbW3JnxtSSS\/jNbbHkwSywvaUQtpp5tloKf6ZsuZTcVjNh+0vpzcRSMVvNpC2Wyp25trd0HVvNApstXTVjjs2XbmDjlbf05IwxWyw9v8bgixkTdrD0PbijbLUMuKYl4DPuLuGff2scTc1eS4+AvfT\/O\/aApSgpojRumFrnVYuntUWit7kVcItE73MLG5FibnG7cbK1ZQ8F7gmz\/bGVyezD9\/Ims13lbzcarWOrabM1Ti5Ndkk1\/vI+SdM6RFdhFUPgrKzFYzJgU4vHu2TxZxIXhHfdwS0i\/AlSP53z3SxBbH6jDJnt\/HNlKD4uwx\/DMinJJtzPILe+SYSbcH+jAP\/vf\/yfm\/Xw6iiCZP4evpek3OZFdYzg+TpO03hN0rxsQtQxdHclUT5RnckuHsMyWcfdR5tDso67ifMvcGtNCj2u0jiT0qQpVndIVEOgz0acdWrcks5ICv65ivfkcdXlGimlYWUtGIwZALk8MrhfPOZpF3lZxfVIp0YDt+aW0yTgZVxB56Hbmq\/ytwd8I87Whu3oUBRxVs0tuA\/DSHmKg1an6lI\/ypBYpPGHZkhYxiU5Dq628kRs2HRvLf5EJclikpQwonzPqm1cJZEBVBVh9GwT8BolgTFllKf5oYjXZPWOqlBWRZ5tYLT4mmRrEofRluzTMIrJU5xWM5JkBMa+cUn2cUHKOMqztR401pbXlRvryQ3vtoQJI9+PSKp2of8aVtHWcJAXu0kRaXHs8pe4JE958RoWa+CtTN7oNj8UBBXBJv8KQlgdknRdktdtXMSIIn6P6y6J0rwEaVU5PknKNDwvED6iSLUTvkEGtQv88zUnr2DcQExdIICwsIuz6qxEfugUFSCQALdZI08SZ1VcgEati\/A1A9UJyWtSbUmc5YfNFrXFJj9gKYKuwjJekwGKq7jY1R4wLnZzy3Ddrl0YZjQVedY4J\/NSlZMkK1FncYADv6o4PCt0MW69t4m8diJ\/Yt9vY1NWQXrD7P1YmTgj8\/+RF9U72eXFsbFuBK75lcB\/+VMVZ9oEzRtNz9QSK8k22WxnWAjCB0lF1nlckiyv7kkFFaNNuIf3LumOFURCa4F\/SJGUz4bNlmzv8qGIoJ12Fr5cWSEZqT6UT3r4uS\/iF4jP0fNEcWQCTha\/1Wntvkh2YfFeh9\/f4rd2oUTXj+IqTNLyVFZYQTrsoP3iT\/gN\/d0KZo939dPHNUipGlD1v3dUfV0tHtfrxQ8kO+xWcYGlvkMVr8lTke\/ILg61oudFYwbb8As4K+hwGJ3DC7qfyyrM1iV4sae8wFAOBrlvqpVR\/lJbd65tG6mYga5gPRA8GlhulIbJrrQf79brPhdGQ35saYjhAbzqLil36IhXcfUax1ldshwmAljAnCYvS81CGFWHME3fyTbc7+OsJuFujQUE3S2LxzvMOwa0cJWv34dKulGeVUWeDhcAoyoduw\/J4d\/R8sbTszLenCka6tbWRKml7ZPM3Ze5Bc5psFrYGjZdUjMcRaA1criE2BpXnKCq86cxkUxIFJOPWwWKjS+Sp85sGm4hQg3L8\/c4fMYAdo00++AxFo0I8y949s3k1xTBbxNh3f4iKcZZ2fCYj5SvP2\/z1+wa4XWhPj2NyO1XDB1jghsp9m+KZG2Ap+E7jgKgQknBZww5h7IKIxxtxDhL0BuThlmcDrXCB605pF4WcXzDzBnpAiW6viZNPE0Pjs1wXuiolzB2irYxZqiYDuCET5mTp7CYkXATQgrUmXDCcey+W3U94WEX7o2gCl3FYy5ljjX8JtW50uCjsgo3sUWqcIUeA0dLWv3C\/T5NIoBeqw7cX8dlVCR7uAteqIoLmKF5wSp5V1f\/0X143xnSVL3JI8zJYYhpxkkznaGGnWm4zojnGFR1+gohDOWv0\/9W+guhCvIyzL6qbd2NaXooKxDeSyP6pIQRkn1aesUUwcw1PSWbXgnWdxyiFBupr759Stb\/+1OyJrs4ri6dRCniqGoqe1CLfU3W1XZu+Y5jkW2cbLbV3AKk\/domaCfX9UzmBIxwT6SUeYRTRTllxKc+5ZQzwgkjgkrKqCScMk4YZZK6lDPKqIIHARU0gNuUE49yGlAG7zmUOURSaCuJR13KiEMVdYlLOPUo9wjzKSeSuMQjjLiUMcKoBOwCgDIPLgA4pxL\/MkEQM2WMIkBBGNOE+IRL6hMmgd6A+MQnQDonzCOCuEQSnzjEpYowTjlRhFFBFGUKSuPEIx5xAJYgXBBGGL6B9xwiCfMoh3sC5riICz8UQKWMAKk+EfDEoVxRRRwKokNyHQrmJqhPmUJ2qCRMwT\/AAxXUo8APTHXRgPggQLwBsvMAHpFEEIEvg5A4FVTRgIL4PMp9BO+hfAXIBFoK6kFXQOf51AeJa8liJwHBwD7zEJ9HQFwce5hwAnC4BBjItw\/d4hH5ZUeZFxAOE3IM6QG5U5Ql5V92FCTPgXwEB33uE2BEfNkx4VHOFYqXuyAtoFA41EPaAgrQVUCY74EuIbkekEwcopA0iVixaySyz+FNLVSBzbnrUaY8ECN0giABAhIoZ2jnEgd4cEBEWik4UsgIUkxdgpr5ZcdAB0Bv4Z6jdZZ6VCBUF9BSRhQIAJQLdByUSmlggA26BqCjNXDoNyAL9AKFJqjg1KXSIz5VDrwjiEcZvg2WBHCg40BdARwYimJEUa0CgNklinISADoPTQEmSaHrQDwK1ZER7lBf9wJIhAgiDZke9hk884w8kDuAa4TvQs+AUROUsIOGzznqECgsEdo\/AJlMgTbCI5QMRdUBCweo1KUBYAGpMQDkoXQk3ne1aJTWJIXax9EetKTgVa6dCzfi941hsQCZFfAEPBGIHmkAqrGFSxzqAhNg3+hxAB8oDwdR4lPsC0CFv5QGx7WxISWg30yCpgL1Hhq5RIfgEXCK+BrTZHnoGBSqqof6FSBHDKyFoTOFTtJU6yegZFQ7FCBTomZBPzHjaEBuHoraN30DfVajhf+Dn5KoDwxxc+KCWwInimrNCQNX6yBgQRR2MzoD6AHUe\/QcnHjEJaiDKB6B\/tIzDX2KKgoqw5FxAe4VdBqlC5QSl2iNwb5AUQJ2l2itIdrdoQprBsG8Qb4uShusD+nHDvJRawU6P7Qy5A\/NgaPqYNeAhjMiXKAFYgABNZZIjNB9gyKU6Hckag\/Yi6\/f0VL30X8D\/4r4YLEQmiTVpsDQxAGWRBPiKEFX6yFBd8qRelBKD20Owx6HCATBR2inxaSxPhc6ACUKmgCkIZ8YioBUgfERUSPtiBnYl0d+4C7ECNBp7ClwOUgjqhTYuha20D1BhXb2PtH+FLoZ\/DnV\/l6hUBiEPwYC1WoDIgPdCjT9Eu76hgfwGKgNGEeldgLcg4DoHG2RoTCBenAfQDx2vPiyo9ID4nU+AbwzX0d00EDfMA3vMXTyDNGgs1MQJDyIcpBFEe1nJMQe6YO3VOAQtZKhswBcgYvZCPCkLRkfKowYTGnTBengw+DLDmOxQBkibIjhxq4V2qKHFieMp9PRX0dH6VKh9VQHVceoOqYEEKB8nwYQk9E9O0atJKqm0vpPQYryy05JQaVntEJqz0K1nuFb4A0wi0I2hEe4E1BWS4NKD5wxWJ5DIath8B7jPmQo6PbROBkGKI5xEkQbSOIyDD8KFQm9hK89l0shNwKnAhrDIAAxl3IdBGWdMkDgRIWVoAUuxk3sUarTSQ+kg1blYhABj4c5JTgYINHjlDkgD2YMFiwBOBKeIMrRPeFoiwPOfYe4YBvAJORA4AAo6g9wgfGHuTopYpiN+RQTNYbUa2XRiZPOtpB0YIdp5eI6v2RoCy56Wsws0eMy9G0KXQT0B9PxTOH\/MbSidoPGcYzyGHGQKK7tF4kw0QnlgFmswICPmQAohKTGoDBAYYbsY\/SXtdFDsAFoxvoxWxIM\/bfQLlIR7TsCdHmCCIUajmHCQyfIBEYAhTk46BurUwbmonZ7TkC546IUtD4I6EtHR00P+xijEjCjwxyqNsEUBVN6owkuRsQvO+Y6VEmTanmYlDhfdhxdjLY6SbkkwZcd9LPyPardsfNlcBSjBzGKB0Q4bnqhToC\/Bdl39QI6CCP6kGq4+uFRO6QO\/ScKItD18iklgdcgl7lST6TJKid0hWH6Izv64ht1QefuUp1IDWiO0gOcRns4ujqmo6f+AdkF8na5Kp103lOzGiCaW1tpVtdIRrh0Us2RSW2kZqPzW2B6q3R20\/pdP1d6MGLyY14PTsz9Vt6M\/Va3Ewix306HxvqvMO+18Yke3G67mh6tHRJ\/o71ASmwCjh5Nc+RbadU7+a3M74H7J88beMI87+Crf\/fboWVjkoDtBWnTxVCpuAlJCqOqhifq+9pxS48yMy41Iqq7Sv8921UYYQ0LpE1SjzSEX5OgTbAD\/8hSi5Wj6GVNqo9BSCsBrUewDVOirTTt553ONZSZzhXoN0buQ1TTSX0NUhiQHRL6etoSSgdFS0jyy86DSC+77Ne\/RzS+owk1pi87AYWUDjEGOdDvUBEMyeDLTgTEHWw1Zf5Km7\/gLuHcT9vq1pK8om3ijdsdU+O2mrb7vNY9o5uijWdQJ8fN\/FSY3XZdNzLllhq3cQ6fmHIrHY0bg9uTYw8e77jD+v3W86PaNb0vjzapunR03FH\/d9s9tdzaWbfYdXOSnnenQkdPc7+B32k\/5Hbblt7Tw8H7dMQDtI3rGD5a5jvId4vOvmdqh6O+ex9yCwYfVLgk1CpbTfvObaxrel2tjH8YssLaPwyAldo\/jLTyfBhItuXZss+OsxJHogQxHonrNI0f\/b\/x+5N+R5i0gweESy\/t4dXhvg2z7j9xrPoM2\/c5++r6BzGShjR274y0H7dzSXp60rbTjj2P2FOrbwbThmOEbIWlATsVI\/bYTT\/O2Hfd33poYfy4aD1vcgHexHTm+oQ5XiduGuWYVAgzKyIcjwgHA1HbSrpWM+Qom3zsxCF92VHfgQG+bJSnVrajUvUsbSjH0hboMiLqeNjp31MW12G5bViMmGbR92bSdZauUse\/zPGXvlf\/ka5zuireLJCFiaMgEMT1eEphSCdV+4\/w+3+gTAIlb6gn6z8wFnPxj8PxGfzxaSDxX0VlQGFegIHQXE49Qd2Auop6HlU+9V185FIpaYCL1av4rZkNwyWNFnmbW0K5trTI+9zibmBLq9nBBg1Gm0mlYC38+9wSjNncWvxLkm3KCjbBnW3Hfb9GJ1xo9ynPYEsH+TF8n2gqXGG72JQGwmbW4qfDaopM5riBzbARk67tWotfw6RK6lbtBfyDM7tVDstmxtcSfAr3OI3Z2kUV7g9JfxvV9EajL3m+o0nWhf5veb4jSWZ9y91k6kVvEGttGmO8vWnswnUMDdX5oRogG+5+M7o\/TCPMKfeo\/ANu4TQ2duA3oxWK1KGvS+EAxBZU6b0mrVfki9wOsTOiimUUpvGIjg2Qd9yDeFwuXq8H14AWDnne1ctIEtxLYDDvT00gf+mtpDc3F3\/ET3ERZ5FZIzBrNp\/tR8CVRd0FyUs8t\/Z5mlTxAPRCLysBOINWmcYbWG5+upHu+KC\/A0I\/gEWtzaKSev3I7q5stgQObCaI31vxj53bkMFdWJ0rRGcLwSVQ+TmoQgBUya+GKs5BlRygNhsvLoYqz0FVDkL1r4aqzkL19UbvVf4Sn27POKMEk3iT7LleKrsNwYVg\/D635wY2EMyO6+TT92s5jVgXoV5WdAZfa0HTdZiS7Jlfx1y9Mu64fLsv6vZyqjuzYOw\/eeXYzy9xVpECjwiYWjD2KXxLdoedNu8wzY+nEITR8wMptyHsw3ndJqnexhDFWVXgGvIkw508cPOilWO427e\/D0rTOLjl9KW\/2smDmrbnHFckeby1Igkf6JQj2W26UUsvpIM1Y1mZVO9mSV2yG9yq2lmQdsm6qpoh5O\/I0fH2W4k6NHNmjDsz6cw8x22evpun0pkx15kx4c6YbC98LJK4hJSp6aQZwV3BX5Ps+Wv61fnq3LvOg3vvqgfG7z3+wPx733ng8j5wHoRzzxznQbj3jDkPkt8z5j9I\/55x90HJeyb4g+vcM6EeXPeeCefB4\/eMswfPv2eMP\/jynjn+QwBQ3IfAvWeOfGAOR6DM8e8D+cCYvPf9B8ade9\/pLyBb6dkUs5MNftFIdEdGkBc7mGy6zPaPneu6brtzbXGSjgM07OAWghTBA0gfQXrS9lsboEWdw04SKbvj+YZI4UEqPkQkl7a8lEjZJlI5MIQ4EikvJlJ15zoaItkYieJyElWbRO61CFSDBL50KXxZ0SRjTkNhGEV6ROKJPo1MCJu3eptzIHJzBB2+xXp\/XdZsOtYrdt+Y5vmNG96ZBvzOAap7wmuVRM8dQSnHIvAGDbNomxdza5es1+BC\/\/wbZmWa0RHMzEO6Abm5vBh\/\/f55EricpEE4OBQFGszlxTTU75+nQfqTNEgRwCATO0FfXt4P5v3zNHh8kgblcfAeQIO5vJiG+v3zNATuJA3o2YECvLgYv377PHYzSBhAH77BORhtQ2iwC7eD\/m5zvVU1wBiza3B4Oa5XRqmYgipChyHMMV05pU993J6uR3BzNYXZ50DpKeLAvRaxDkmAGK+mELvKFkOIGRPXYtZxBjDj1RRm6djBIGbhDVZ7jMNvPKHstS4ryNYWA4nHsQ60GS7jmQCQ0ueqP2aAYbwzA8Xwlp6wxYwxx3aXzHFtd8YcYaslE4EdzAJliyX6yJmvbL7kDpyO4aklF4Htz1xp+0vuCZvNFBxtgZ5sJn3bXQoR2N4MTsJYCk\/MRADnYjiuLWZS2mqJ\/mamhO0tpcftYOZy218qx7X5zHXtYKkEnIrh+nAJfmHmOXawdB3XZoDfBYAzn8ExGh63vZnv2XzpOS6S3A1bu7B4Pm6dep5bO5rlr72AWBVhVj7lsEsOL9Owir8DcM73tW2CehjtqCOcc8as8Syxupwxt\/TfM7DkCaxOWN8m1SWZhYnZZ2uDZVTAgOOCzZjdDFrv6uzcetIqGtd7UXbl3JIwHBjaEtQZC\/zeDDe+Qd3KI9JWL0yljFPP1jMBWgbfDsFWAAr3V+\/LJyZsReSvzHth7paKDsJjOexU7mmyBj3Uo6P6V2eccxxv4MOOaI9b8k9HVHoIhfdxJ9suyRBa604I5evOrSx\/7d8CfzK3TJAbGgviYPRS2XU8bBEmqdVWe+Y4\/81ofh3NUPGbVqBeSZrWGLpt7ZHm7SNxgODtYbeqIURvraZ4JI6LB+J4fYs5rU28hGmv1Kf3mcPW5EXv3KrT1hAkSmuwcKE3ov+t1xxTzt4N6fdueLx3A8Jq50aHrO5JK8f6x5iP+K\/YWAdnHtQ7r8zRhjMC27xGjoHoFkz+0GeS6K3I5qCEEs4Rg0qIHv2jZQxWRLrVD3NI4\/D2Y\/3IWG0FOt61QdjRW2\/ja3beGli6VZG\/Wu2K9rZWSf04ytPDLgOxxYW1+KHS29JBw07PTjk21eErT+dWfU5Xdtidg\/uYdOp4I2W0H5ta3Vmkq+uRilGkjdimcE+g+wduet4l2aHsVB2P\/X7SH8cbNQijVqeEnKKO09ZYPQqdk\/OBfgorIq+HtHIGjrviUl0KaXEL33Ag0w1MsxNS+Q0Mn0IR\/6nM\/q7dxQzqqkUMJwudnm91Gf98+mSyy0TAp4\/nmgS0hnmp0lr8rU3DNXL51D5MipSHPZwgWd4gFvENuEGxfAzQTcpxPFLsBr7lRWeEXcb6Kay\/Obfz\/k+Y\/jBWRkrY\/36AQw\/ORvRegnVY3WNDa\/E5TuMIDlbRScKDPrQnr2D2w4RKzBdumvkwOC6Z+JAw8RE0Ex+yM\/ERjE989AVRn91Wdhm7+MTO8zMfmqOBiQ8F0xtyaNrDmbEZU3zGWs\/enrpDEjMFYnj5GrGv6Vf+1bl3HoT+z+bqQTZ\/1IMy\/zL4z\/pAJblO8RWfriS77kjxzpmqIrOmisyaKvIluOv3z6FnU+j9YwHZXF6O3j8WkEfR8wn0XB1rx+byYvT1++fQT9XdhDiWjc3lxejr98+hn6501nVzx71K56b4VhfWihu8io8jblcLDWafD5UbPx9PAozq2aIka6aIm8Lh9SZ5CZ0nJWilbDVEp45nF1VkG8zMr8vf05VgxtkYZq6uxeybGp0\/XQeG83qH0aqrGVamzKicSbRKjKH1rua2W1g5L+VgGC1rde\/5src7XPb+3EvPL6x4l6crYqHerfgSfVX7ivlLdCCtKx8r1fUf5po\/Aycudw5c3g+UlaPGP0HBCRSomFvqRKBRmKa4FPEILNXQoD2Xxr957pRKdQ51\/q9J8prT5EiINW99yubxnKsrU75dWBXJm7X4I38t70mVmNN6doMDE5v8hMP\/+s19mKxtwvCk2PoLE1AaIqs4zV9JUs1gVyQuxbJvTBdr+i7JFwXsXXCbtRRCtGfX4UErX7wt9TspBpd4GGwtto60msOmalmdpI5H7kYSDW6WI6uRcPcbfgZkwOBbucoECDwYmp0HwuUlQPh5IMK5BIgYBFI0Dsw3E3+DDlCDMEczazhNxN22Bnx6\/dvc2r3dC9rKuqsEzi82qvx12e7Or9iN4uvvYbL+muXVFj58c3QgW5oJuj9ZCNRCGdWbrM0h8bC8pJlVUn6jquDlCxD7id\/CunhLMeSYLIdzjlEJsOslgNesLwB2oQB0OvMRCfjfVgK8JwF2oQR4XwL8vAS2TFsU+yD\/tUmO8s+uFIDoCcC7UACiLwBxXgClXvvGvQ8KoHYnowLw2gKY8CY+G\/Um\/GJHwq9yJHzckfCrHYnrfNCRnAjgJjPiVzkSPupI+PWO5HYJ+N9WAvxGCfC+BPiFEqhdyc0SqF3Jt5KAuMKV8lFPwic9Se1KvQ\/yX3uSUf7ZFZ6EMW\/UlbCLXQm7ypWwcVfCrnYlgftBV3IqgZv0iJ34EjYtggFfwiZ9Sck6nuR2AfhTAmBXSoDfKAHel8B1ScnNEjiOE76ZBMSNEhB9CVznS26WwHGQc5kEppyJGlxW+VuOQ8qLvYlz4k34iDvJNORxf+JM+pNStb0JgyH49ZLEH0kGxSV4vzcYFmM1d+cq7XJOPIy4QCoDLsaZdDFmw0ftYm6USmc4L6Yq\/xfKoO9j5KUy4H0Z8ItkUDuZ22XQVCPE1PTDhTLoexl+qQxEXwbXuZnbZdAUU8TUBBTI4J9Qp6znYOsiWO+7WefXmv2M33HRM87mU78PZvYWF6xVeb3iDKrUN85Dh1WFS6YunInmYmQmGh9808piX3b4ZZDxsuysqb4OTE7XbHbU8t8P4bpVtDe7qPjJDiVfNHz6wbk9VGjawTF6nkYtsBqyit\/z1pdMBndUdWkzO7w4V5o4R9xInXQMe\/5g6RBNvUXe8VNQ\/SB7fuJO+fW0rr7qrDUPzkzdmdchNo\/OqE\/P3jHJ6nldc3kxAfX75ymYnMXDjsJpbeyxS7HX\/XsO9+RUnnD8ekmBubwYf\/3+eQomZ\/VEwI7b0vTl5RSY989RwMY0oDXDzet5xbrzAz6OvW0epvP58Aw3zgyO+6CbJrlPSPUFbOdBYvFyXFj1dDxuF7ptovsEO7gWxO2IacywM+fWGec+Zs7rfV54NYWbq+F9XpdM\/\/Jzu550J8NMVbs7O1ysk3DTcHHUr4Yd9DwDc7f79rdyaen0zitt52QYyu4dM53ru2b3gCNhl1kBk9eT4FlrQDIMntXgfTibKHqve6EA6UzC55PwuYGvrRrhO+BfL4MvJuELDd9lIJRIxzXwYJfBl93gPwBfavhcODWCa+SjJulXGr4SDf24ffEy+O4kfNfAd2+QjjcJ3TPQMWhr+Oi6LoPvT0rfP+ldh5nvSV8AP5iEHxj4RjWZlJdDb+9uHzMu57R3r5APu8B8Wb9\/r9AexicFxHi\/h\/EQgUsRTNsvGzDga0Q0bcFMdjv5Gv\/Dpg2YDVjwFTbGpk2YndjwNQKaNmLmfchHM38ag\/8hL82CaQx9S75GRtyZVCJuLJkJzHeudkV82pT5QCi+wtb4BbHYGLMZ4miPh0v3LkQxbc58wJyv8EhcTmOQtba6N4lp2qK5+pDX5u60Nrm1NgVgBddaHJ+2aT4Qma+wOD5t09z\/kOPm08GZ9236GoMT0zYtTqPzNfFfTJu0YB\/w3GLaoMUHs+sL0uuP5ddiOjwL2e9lcTH0aVsWH8uvxXR0Fu6H3LaYtmXxsSxbTKfZ4mN5tpiOz+IkPl8zSpu2ZTlgy53INlz6H9ijNv45711cbfN163vev+av7U95k9e8eC5bH\/TeL35ofXq06J79qY9nJNKh+qf5XHu9gpnoRc1FHKb1t0kzsonzTRHut+\/w6e1t\/BZu8gy+ZQofOLZJc0znHj4LDpubwyg67A5wqkipj71rDmHU3yt9IGH9XXg4hoREefYSw6JdhFPlzWP83ivgrQk1HxLXn0BdNd+XPn6jO2q+Bw2nk+qtZ+HO8G+Tz0fRmCXT0NBAx0+n66+MhwQOPY3e4YvmIdkXSWRWUe8Xn\/NDEcXlPfktrA5FmJKfw6Laku\/2h1WaRGSdw1d8v38gv\/z840\/\/i\/yU7\/ZJih+WJb\/AucTkO+5w53vzGK7JL0WyJt+t8+SeObbivroLeRAp6Sq6YsKnXMg1jR0lqBv5briKHOmsgu9npIjTJH7qodYMwKfVs\/Al2SDq7x+I\/sI3KaM4C4skJ3gKhl5BvY3JL2m+ClPyR1I+l+SHNE1C0Jnv2h+O1XDBDL6vF5TXHzo\/mfWpkv3ZA29R4f8f\"><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><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"finance\" aria-label=\"Coverage, Grounding, Cycle\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Coverage, Grounding, Cycle\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-areas\" aria-selected=\"true\" data-key=\"p1\">Coverage<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-sec-grounding\" aria-selected=\"false\" data-key=\"p2\">Grounding<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-sec-cycle\" aria-selected=\"false\" data-key=\"p3\">Cycle<\/button><\/div><section id=\"nx-sec-areas\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-13\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-1\"><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\">Coverage<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">The areas of insurance and catastrophe this platform takes on.<\/h2><p class=\"nx-lede\">Insurance Nexus studies how risk becomes <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 insured-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The part of economic loss that is covered by insurance.\" data-ts=\"NRS-C1\" data-tr=\"draft\">insured loss<\/a> and how insured loss travels: through carriers, brokers, reinsurers and capital markets, through households and firms left without cover, and through supervisors, pools and public budgets that carry what markets do not. Its pages set out the mechanisms, data, methods and decisions behind underwriting, catastrophe exposure, health and life risk, climate and protection gaps, with every value labelled by its evidence. It shares industry understanding and does not underwrite, price or advise.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><div class=\"nx-cells\" data-cols=\"4\"><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\"><line x1=\"3\" x2=\"21\" y1=\"22\" y2=\"22\"\/><line x1=\"6\" x2=\"6\" y1=\"18\" y2=\"11\"\/><line x1=\"10\" x2=\"10\" y1=\"18\" y2=\"11\"\/><line x1=\"14\" x2=\"14\" y1=\"18\" y2=\"11\"\/><line x1=\"18\" x2=\"18\" y1=\"18\" y2=\"11\"\/><polygon points=\"12 2 20 7 4 7\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Market structure<\/h3><p class=\"nx-p nx-mt-1\">Carriers, brokers, reinsurers, managing agents, mutuals, takaful operators, pools and capital-market vehicles, and how risk and responsibility pass between them.<\/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\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Underwriting and pricing<\/h3><p class=\"nx-p nx-mt-1\">Risk factors, rating structures, data limits and the professional and regulatory boundaries on how risk is classified and priced.<\/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=\"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\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Property and catastrophe<\/h3><p class=\"nx-p nx-mt-1\">Natural and man-made catastrophe exposure, accumulation, catastrophe modelling and the portfolio view of property and casualty 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=\"M19 14c1.49-1.46 3-3.21 3-5.5A5.5 5.5 0 0 0 16.5 3c-1.76 0-3 .5-4.5 2-1.5-1.5-2.74-2-4.5-2A5.5 5.5 0 0 0 2 8.5c0 2.3 1.5 4.05 3 5.5l7 7Z\"\/><path d=\"M3.22 12l6.28 0 .5-1 2 4.5 2-7 1.5 3.5 5.27 0\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Health, life and longevity<\/h3><p class=\"nx-p nx-mt-1\">Mortality, morbidity, longevity and pandemic risk, and the boundary between private cover and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 social-protection\" data-tk=\"Nexus risk vocabulary\" data-td=\"Public policies and programmes that help people manage risk and reduce poverty and vulnerability across their lives.\" data-ts=\"NRS-C1\" data-tr=\"draft\">social protection<\/a>.<\/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=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Claims and resilience<\/h3><p class=\"nx-p nx-mt-1\">Claims handling after catastrophes, fraud, cyber and the operational continuity of the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> policyholders depend on.<\/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\"\/><path d=\"m4.93 4.93 4.24 4.24\"\/><path d=\"m14.83 9.17 4.24-4.24\"\/><path d=\"m14.83 14.83 4.24 4.24\"\/><path d=\"m9.17 14.83-4.24 4.24\"\/><circle cx=\"12\" cy=\"12\" r=\"4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Protection gaps<\/h3><p class=\"nx-p nx-mt-1\">The share of loss left uninsured, why it persists, and how it is transmitted to households, lenders and public budgets.<\/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=\"M12 2v2\"\/><path d=\"m4.93 4.93 1.41 1.41\"\/><path d=\"M20 12h2\"\/><path d=\"m19.07 4.93-1.41 1.41\"\/><path d=\"M15.947 12.65a4 4 0 0 0-5.925-4.128\"\/><path d=\"M3 20a5 5 0 1 1 8.9-4H13a3 3 0 0 1 2 5.24\"\/><path d=\"M11 20v2\"\/><path d=\"M7 19v2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Climate and nature<\/h3><p class=\"nx-p nx-mt-1\">Changing physical hazard, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 nature-related-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk to organisations and societies from dependence on, and impacts upon, nature and its degradation.\" data-ts=\"NRS-C1\" data-tr=\"draft\">nature-related risk<\/a> and the conditions under which risks stay insurable at an affordable price.<\/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=\"M12 5a3 3 0 1 0-5.997.125 4 4 0 0 0-2.526 5.77 4 4 0 0 0 .556 6.588A4 4 0 1 0 12 18Z\"\/><path d=\"M9 13a4.5 4.5 0 0 0 3-4\"\/><path d=\"M6.003 5.125A3 3 0 0 0 6.401 6.5\"\/><path d=\"M3.477 10.896a4 4 0 0 1 .585-.396\"\/><path d=\"M6 18a4 4 0 0 1-1.967-.516\"\/><path d=\"M12 13h4\"\/><path d=\"M12 18h6a2 2 0 0 1 2 2v1\"\/><path d=\"M12 8h8\"\/><path d=\"M16 8V5a2 2 0 0 1 2-2\"\/><circle cx=\"16\" cy=\"13\" r=\".5\"\/><circle cx=\"18\" cy=\"3\" r=\".5\"\/><circle cx=\"20\" cy=\"21\" r=\".5\"\/><circle cx=\"20\" cy=\"8\" r=\".5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Insurtech and AI<\/h3><p class=\"nx-p nx-mt-1\">Data, models and automation in distribution, underwriting and claims, and the governance of their effects on customers.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-14\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-2\"><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\">Grounding<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Built on named science, technology, engineering and mathematics.<\/h2><p class=\"nx-lede\">Every claim on Insurance Nexus rests on methods with a canonical page in the STEM Commons, so readers can see what a finding depends on and where its limits lie.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-chips\"><span class=\"nx-chip\">Actuarial mathematics<\/span><span class=\"nx-chip\">Extreme value theory and tail risk<\/span><span class=\"nx-chip\">Probability and statistics<\/span><span class=\"nx-chip\">Climate and atmospheric science<\/span><span class=\"nx-chip\">Artificial intelligence and machine learning<\/span><\/div><p class=\"nx-p nx-mt-3\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/\">See the STEM foundation of Insurance Nexus<\/a><\/p><\/div><\/div><\/section><section id=\"nx-sec-cycle\" class=\"nx-section nx-band-panel\" data-hue=\"health\" data-variant=\"split\" aria-labelledby=\"nx-s-15\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">15<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Cycle<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">How work moves in this field.<\/h2><p class=\"nx-lede\">A question becomes evidence, a governed build, an organised community, a controlled test, a reviewed publication and, finally, a decision taken by the competent authority under its own rules.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cycle-lanes\"><ol class=\"nx-pl-list\"><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Question<\/strong> <span class=\"nx-pl-in\">Universe<\/span> National, regional or institutional priority. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/\">Question in Insurance Nexus<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Evidence<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> STEM foundation of the platform. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/\">Evidence in Insurance Nexus<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Build<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> Foundry. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/foundry\/\">Build in Insurance Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Organise<\/strong> <span class=\"nx-pl-in\">Universe<\/span> <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/organization\/architecture\/ii.-definitions\/i.-nexus-ecosystem\" data-tc=\"Nexus Ecosystem\" data-tk=\"Nexus Standards\" data-td=\"The whole of the institutions, pillars, systems and communities\">Nexus ecosystem<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/community\/\">Organise in Insurance Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Test<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Universe (independent site). <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/universe\/\">Test in Insurance Nexus<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Publish<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a><\/span> Reports. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/reports\/\">Publish in Insurance Nexus<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Decide<\/strong> <span class=\"nx-pl-in\">Competent authority<\/span> Competent authorities and institutions, through <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s18\" data-tc=\"NXS-RLS\" data-tk=\"Nexus system\" data-td=\"Participants, agreements and handoffs\" data-ts=\"NRS-S18\">NXS-RLS (participants, agreements and handoffs)<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/trust\/\">Decide in Insurance Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Renew<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Corrections and the next annual agenda. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/\">Renew in Insurance Nexus<\/a><\/li><\/ol><p class=\"nx-caption\"><span>Each step of the cycle in the pillar it runs in; the decision stays with the competent authority, outside the programme.<\/span><\/p><ul class=\"nx-pl-legend\" aria-label=\"Pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/universe.nexus\/\">Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/\">Risk Academy<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span>Competent authority (outside the programme)<\/li><\/ul><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-pillars\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-16\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">16<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Six pillars<\/span><\/div><h2 id=\"nx-s-16\" class=\"nx-section-title\">How this works across the six pillars.<\/h2><p class=\"nx-lede\">Insurance Nexus works through six pillars of one annual programme, led by the Nexus Consortium, with GCRI, GRF and GRA each contributing in its role: explore, experiment and prototype in <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/labs\" data-tc=\"Labs\" data-tk=\"Nexus Standards\" data-td=\"The research pillar of the programme, one of six (OR-11, OR-12)\">Labs<\/a>, build, simulate and prepare in Foundry, convene and test in Universe, codify, correct and apply in <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a>, publish in every format in Reports, teach in the open in Risk Academy.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-pl-ring nx-canvas-wrap\" data-pl-hex=\"true\"><figure class=\"nx-nsig nx-phex\" data-nx-phex=\"012345\" data-phex-ctx=\"whole\" data-phex=\"{&quot;S&quot;:[{&quot;id&quot;:&quot;labs&quot;,&quot;c&quot;:&quot;L&quot;,&quot;name&quot;:&quot;Labs&quot;,&quot;full&quot;:&quot;Labs&quot;,&quot;verb&quot;:&quot;Experiments&quot;,&quot;url&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;does&quot;:[&quot;Turns open questions into designed experiments&quot;,&quot;Prototypes new methods, data pipelines and tools&quot;,&quot;Records failures and limits alongside results&quot;,&quot;Hands reproducible prototypes to the Foundry&quot;]},{&quot;id&quot;:&quot;foundry&quot;,&quot;c&quot;:&quot;F&quot;,&quot;name&quot;:&quot;Foundry&quot;,&quot;full&quot;:&quot;Foundry&quot;,&quot;verb&quot;:&quot;Builds&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/insurance-nexus\/foundry\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-foundry\/&quot;,&quot;does&quot;:[&quot;Builds the cycle's software, data and environments&quot;,&quot;Simulates scenarios and runs benchmarks&quot;,&quot;Monitors hazards, systems and evidence&quot;,&quot;Develops and tracks the National Portfolio&quot;]},{&quot;id&quot;:&quot;universe&quot;,&quot;c&quot;:&quot;U&quot;,&quot;name&quot;:&quot;Universe&quot;,&quot;full&quot;:&quot;Universe&quot;,&quot;verb&quot;:&quot;Convenes and tests&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/insurance-nexus\/universe\/&quot;,&quot;home&quot;:&quot;https:\/\/universe.nexus\/&quot;,&quot;does&quot;:[&quot;Sets the annual mandate and admits missions&quot;,&quot;Runs readiness, the controlled build and Action Week&quot;,&quot;Stands down temporary capacity and seals evidence&quot;,&quot;Reviews the year and renews the mandate&quot;]},{&quot;id&quot;:&quot;standards&quot;,&quot;c&quot;:&quot;S&quot;,&quot;name&quot;:&quot;Standards&quot;,&quot;full&quot;:&quot;Nexus Standards&quot;,&quot;verb&quot;:&quot;Codify and correct&quot;,&quot;url&quot;:&quot;https:\/\/nexustandards.com\/finance\/&quot;,&quot;home&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;does&quot;:[&quot;Identifies every artefact with a UNI&quot;,&quot;Routes work to the standards that apply&quot;,&quot;Validates and monitors conformance evidence&quot;,&quot;Takes cycle findings as change proposals&quot;,&quot;Records national adoption&quot;]},{&quot;id&quot;:&quot;reports&quot;,&quot;c&quot;:&quot;R&quot;,&quot;name&quot;:&quot;Reports&quot;,&quot;full&quot;:&quot;Reports&quot;,&quot;verb&quot;:&quot;Publishes&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/insurance-nexus\/reports\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-reports\/&quot;,&quot;does&quot;:[&quot;Publishes four editions a year, with Q4 as the annual flagship&quot;,&quot;Maintains country and regional profiles&quot;,&quot;Publishes exponential technology streams&quot;,&quot;Records corrections and method changes&quot;]},{&quot;id&quot;:&quot;academy&quot;,&quot;c&quot;:&quot;A&quot;,&quot;name&quot;:&quot;Academy&quot;,&quot;full&quot;:&quot;Risk Academy&quot;,&quot;verb&quot;:&quot;Teaches&quot;,&quot;url&quot;:&quot;https:\/\/risksacademy.com\/finance-economics\/&quot;,&quot;home&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;does&quot;:[&quot;Publishes a course for every system, standard and programme role&quot;,&quot;Assesses learning on real cycle tasks&quot;,&quot;Issues microcredentials and achievements through accountable issuers&quot;,&quot;Feeds qualified people into the next cycle&quot;]}],&quot;H&quot;:[{&quot;id&quot;:&quot;F01&quot;,&quot;f&quot;:2,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Admitted mission becomes a cycle project with a decision case&quot;},{&quot;id&quot;:&quot;F02&quot;,&quot;f&quot;:1,&quot;t&quot;:2,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Core Build Report and go or no-go evidence&quot;},{&quot;id&quot;:&quot;F03&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Sealed observations and indicator series behind a profile&quot;},{&quot;id&quot;:&quot;F04&quot;,&quot;f&quot;:2,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;After-action and scenario findings for chapters 10 and 13&quot;},{&quot;id&quot;:&quot;F05&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;National Portfolio movement for chapter 11&quot;},{&quot;id&quot;:&quot;F06&quot;,&quot;f&quot;:4,&quot;t&quot;:3,&quot;ph&quot;:&quot;CORRECTION&quot;,&quot;art&quot;:&quot;Method and correction findings as change proposals&quot;},{&quot;id&quot;:&quot;F07&quot;,&quot;f&quot;:2,&quot;t&quot;:3,&quot;ph&quot;:&quot;DOCKET_REVIEW&quot;,&quot;art&quot;:&quot;Docket items that need a standard or a profile&quot;},{&quot;id&quot;:&quot;F08&quot;,&quot;f&quot;:3,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Composed mission profiles and national adoption records&quot;},{&quot;id&quot;:&quot;F09&quot;,&quot;f&quot;:3,&quot;t&quot;:5,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Each adopted standard or profile becomes a course module&quot;},{&quot;id&quot;:&quot;F10&quot;,&quot;f&quot;:2,&quot;t&quot;:5,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Assessed cycle tasks become completion evidence&quot;},{&quot;id&quot;:&quot;F11&quot;,&quot;f&quot;:5,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Qualified participants for the next cycle's roles&quot;},{&quot;id&quot;:&quot;F12&quot;,&quot;f&quot;:4,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Q4 synthesis informs the next-year mandate&quot;},{&quot;id&quot;:&quot;F13&quot;,&quot;f&quot;:1,&quot;t&quot;:3,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Validation and monitoring evidence for conformance review&quot;},{&quot;id&quot;:&quot;F14&quot;,&quot;f&quot;:1,&quot;t&quot;:5,&quot;ph&quot;:&quot;PLANNING&quot;,&quot;art&quot;:&quot;Each system's rooms become a learning-by-doing course&quot;},{&quot;id&quot;:&quot;R1&quot;,&quot;f&quot;:3,&quot;t&quot;:4,&quot;ph&quot;:null,&quot;art&quot;:&quot;Applied in editions&quot;},{&quot;id&quot;:&quot;R2&quot;,&quot;f&quot;:4,&quot;t&quot;:5,&quot;ph&quot;:null,&quot;art&quot;:&quot;Taught in the open&quot;},{&quot;id&quot;:&quot;R3&quot;,&quot;f&quot;:5,&quot;t&quot;:0,&quot;ph&quot;:null,&quot;art&quot;:&quot;Questions become experiments&quot;},{&quot;id&quot;:&quot;R4&quot;,&quot;f&quot;:0,&quot;t&quot;:1,&quot;ph&quot;:null,&quot;art&quot;:&quot;Tested prototypes are built&quot;}],&quot;PH&quot;:[[&quot;PLANNING&quot;,&quot;Planning&quot;],[&quot;READINESS_PREPARATION&quot;,&quot;Readiness preparation&quot;],[&quot;CONTROLLED_BUILD&quot;,&quot;Controlled build&quot;],[&quot;CLOSEOUT&quot;,&quot;Closeout&quot;],[&quot;AFTER_ACTION_REVIEW&quot;,&quot;After-action review&quot;],[&quot;CORRECTION&quot;,&quot;Correction&quot;],[&quot;DOCKET_REVIEW&quot;,&quot;Docket review&quot;],[&quot;RENEWAL&quot;,&quot;Renewal&quot;]],&quot;L&quot;:[[1,3],[1,2],[2,5],[2,4],[1,5,2],[1,4,3],[1,4,2],[1,2,3],[2,3,5],[1,5,2,3],[1,4,2,3],[1,3,5,2],[1,2,4,3],[2,4,3,5],[1,5,2,4,3],[1,4,3,5,2],[0,1,2,3,4,5]],&quot;CTX&quot;:[{&quot;id&quot;:&quot;whole&quot;,&quot;n&quot;:&quot;The whole programme&quot;,&quot;s&quot;:[0,1,2,3,4,5],&quot;t&quot;:&quot;Every pillar hands its work to another; together they close the year's feedback loops.&quot;},{&quot;id&quot;:&quot;practice&quot;,&quot;n&quot;:&quot;From prototype to practice&quot;,&quot;s&quot;:[0,1,2,3],&quot;t&quot;:&quot;A Labs prototype is built in the Foundry, tested in a Universe mission and codified as a standard.&quot;},{&quot;id&quot;:&quot;build-test&quot;,&quot;n&quot;:&quot;Build and test&quot;,&quot;s&quot;:[1,2],&quot;t&quot;:&quot;The Foundry builds what a mission needs; Universe returns the go or no-go evidence.&quot;},{&quot;id&quot;:&quot;conformance&quot;,&quot;n&quot;:&quot;Conformance&quot;,&quot;s&quot;:[1,3],&quot;t&quot;:&quot;Validation evidence goes to Standards for review; composed profiles come back for the next build.&quot;},{&quot;id&quot;:&quot;correction&quot;,&quot;n&quot;:&quot;A finding becomes a correction&quot;,&quot;s&quot;:[1,4,3],&quot;t&quot;:&quot;Observations are published, a method finding becomes a change proposal, the corrected profile returns to the build.&quot;},{&quot;id&quot;:&quot;mandate&quot;,&quot;n&quot;:&quot;Setting the next mandate&quot;,&quot;s&quot;:[2,4],&quot;t&quot;:&quot;After-action findings go into the editions; the Q4 synthesis informs next year's mandate.&quot;},{&quot;id&quot;:&quot;people&quot;,&quot;n&quot;:&quot;People for the next cycle&quot;,&quot;s&quot;:[2,5],&quot;t&quot;:&quot;Assessed cycle tasks become completion evidence; qualified participants take roles in the next cycle.&quot;},{&quot;id&quot;:&quot;learning&quot;,&quot;n&quot;:&quot;Learning by doing&quot;,&quot;s&quot;:[1,2,5],&quot;t&quot;:&quot;Each system's rooms become a course; learners join missions, and missions return to the Foundry.&quot;}]}\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Routes through the programme\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select pillars \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">18 \/ 18 handoffs<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"The six pillars of the Consortium's programme: 18 of 18 handoffs in play, 17 feedback loops closed.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-phex-legend\" aria-hidden=\"true\"><span><i class=\"nx-phex-k1\"><\/i>handoff in play<\/span><span><i class=\"nx-phex-k2\"><\/i>recorded handoff<\/span><span><i class=\"nx-phex-k3\"><\/i>no direct handoff<\/span><\/p><div class=\"nx-phex-phase\" hidden><p class=\"nx-phex-phh\"><span class=\"nx-phex-phk\">Programme year<\/span><span class=\"nx-phex-pn\">All phases<\/span><\/p><div class=\"nx-phex-steps\" role=\"group\" aria-label=\"Phases of the programme year\"><\/div><div class=\"nx-nsig-actions\"><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"play\">Play the year<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"allph\">All phases<\/button><\/div><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Route<\/p><p class=\"nx-nsig-name\">The whole programme<\/p><p class=\"nx-nsig-line\">Every pillar hands its work to another; together they close the year&#8217;s feedback loops.<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>L<\/span> \u00b7 <span>F<\/span> \u00b7 <span>U<\/span> \u00b7 <span>S<\/span> \u00b7 <span>R<\/span> \u00b7 <span>A<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Pillars<\/dt><dd><strong>6<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Handoffs<\/dt><dd><strong>18<\/strong> <small>of 18<\/small><\/dd><\/div><div><dt>Loops<\/dt><dd><strong>17<\/strong> <small>closed<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Handoffs in play<\/h3><ul class=\"nx-nsig-rel nx-phex-rel\"><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F01<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Foundry<\/b> \u00b7 Admitted mission becomes a cycle project with a decision case<\/span><span class=\"nx-phex-ph\">Readiness preparation<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F02<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Universe<\/b> \u00b7 Core Build Report and go or no-go evidence<\/span><span class=\"nx-phex-ph\">Controlled build<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F03<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Reports<\/b> \u00b7 Sealed observations and indicator series behind a profile<\/span><span class=\"nx-phex-ph\">Closeout<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F04<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Reports<\/b> \u00b7 After-action and scenario findings for chapters 10 and 13<\/span><span class=\"nx-phex-ph\">After-action review<\/span><\/li><\/ul><p class=\"nx-nsig-hint\">and 14 more<\/p><\/div><div class=\"nx-nsig-actions\" data-phex-acts=\"true\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"all\">Whole ring<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-phex-act=\"copy\">Copy route<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">F01 to F14 are the recorded handoffs of the programme year, each with the artefact that moves and its phase; R1, R2, R3 and R4 carry work around the ring. A loop counts when every pillar on it is selected. Every pillar is led by the Nexus Consortium.<\/figcaption><\/figure><ol class=\"nx-pl-list\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Labs<\/span><span class=\"nx-pl-role\">Where questions become experiments and prototypes: new methods, data and tools are tried in the open, with their limits on record, before the Foundry builds them, under the Nexus Consortium.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Foundry<\/span><span class=\"nx-pl-role\">Where exposure and scenario evidence is built so supervisors, insurers and investors can read it.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/foundry\/\">Insurance Nexus in Foundry<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Universe<\/span><span class=\"nx-pl-role\">Where scenarios are tested in controlled exercises, and finance-readiness dialogues read what they mean for capital and cover.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/universe\/\">Insurance Nexus in Universe<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/universe.nexus\/\">universe.nexus<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Nexus Standards<\/span><span class=\"nx-pl-role\">Where disclosure and data rules are codified so risk evidence is comparable for finance and insurance.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/nexustandards.com\/\">nexustandards.com<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Reports<\/span><span class=\"nx-pl-role\">Where sector analysis and the finance and insurance readiness series are published, with exposure and limits stated.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/reports\/\">Insurance Nexus in Reports<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Risk Academy<\/span><span class=\"nx-pl-role\">Where finance, insurance and public-finance professionals learn to read risk evidence, on Risk Academy.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/risksacademy.com\/\">risksacademy.com<\/a><\/li><\/ol><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-4\" data-hue=\"climate\" aria-label=\"Consortium, Pages, Connected, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Consortium, Pages, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-1\" aria-controls=\"nx-sec-consortium\" aria-selected=\"true\" data-key=\"p1\">Consortium<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-2\" aria-controls=\"nx-s-18-sec\" aria-selected=\"false\" data-key=\"p2\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-3\" aria-controls=\"nx-s-19-sec\" aria-selected=\"false\" data-key=\"p3\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-4\" aria-controls=\"nx-s-20-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-consortium\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-17\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">17<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Consortium<\/span><\/div><h2 id=\"nx-s-17\" class=\"nx-section-title\">The same field, seen three ways.<\/h2><p class=\"nx-lede\">GCRI studies a field as science, GRF governs it and GRA builds shared financial understanding of it. Insurance Nexus links to its counterparts so that work on one side is visible on the others.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Platform\"><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/water-nexus\/\"><span class=\"nx-dir-name\">Water Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/food-nexus\/\"><span class=\"nx-dir-name\">Food Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/energy-nexus\/\"><span class=\"nx-dir-name\">Energy Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/health-nexus\/\"><span class=\"nx-dir-name\">Health Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Health and biosecurity<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/biodiversity-nexus\/\"><span class=\"nx-dir-name\">Biodiversity Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/climate-hazards\/\"><span class=\"nx-dir-name\">Climate and Hazards<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/disaster-resilience\/\"><span class=\"nx-dir-name\">Disaster Resilience and Recovery<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/oceans-coasts\/\"><span class=\"nx-dir-name\">Oceans and Coasts<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Climate and hazards<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-s-18-sec\" class=\"nx-section nx-band-panel\" data-hue=\"health\" aria-labelledby=\"nx-s-18\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">18<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-18\" class=\"nx-section-title\">Pages in Insurance Nexus.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/about\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Industry scope and publisher<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/sector\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial discipline overview<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/research\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional research<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/innovation\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Technology and emerging practices<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/readiness\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Resilience and finance readiness<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Research and industry programmes<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/tools\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Analytical and data resources<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/community\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional community<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/learning\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional learning<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/events\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional meetings<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/publications\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Reports and sector briefs<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/participate\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Membership and research participation<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Contact the industry platform<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/trust\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Antitrust, independence and financial perimeter<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">STEM foundation of Insurance Nexus<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/cycle\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">How work moves in this field<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/foundry\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Build in Foundry<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/universe\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Test in Universe<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/reports\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Publish in Reports<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/counterparts\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">The same field across the Consortium<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Topics<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-19-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-19\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">19<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-19\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/insurance\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Insurance and catastrophe<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/climate\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Climate and hazards<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/health\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Health and biosecurity<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-20-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-20\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">20<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-20\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Who publishes Insurance Nexus?<\/summary><div class=\"nx-answer\">The Global Risks Alliance (GRA) publishes Insurance Nexus and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/div><\/details><details><summary>Is Insurance Nexus active?<\/summary><div class=\"nx-answer\">Insurance Nexus is an established platform of The Global Risks Alliance. Information and enquiries are open today. 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.<\/div><\/details><details><summary>How can I contribute?<\/summary><div class=\"nx-answer\">Start with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/participate\/\">the participation paths<\/a> or write to the contact form. An enquiry receives a reference; it does not create membership, a role or an assignment.<\/div><\/details><details><summary>Where are findings published?<\/summary><div class=\"nx-answer\">Reviewed outputs appear on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/publications\/\">the publications page<\/a>, and contributions to the Reports series are listed on Publish in Reports.<\/div><\/details><details><summary>Which values on this platform are real?<\/summary><div class=\"nx-answer\">Indicator names, units, sources, methods and frameworks are real. Levels in figures and canvases are examples in a design. A programme replaces them with labelled evidence it owns.<\/div><\/details><details><summary>How do I report an error?<\/summary><div class=\"nx-answer\">Use <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/trust\/corrections\/\">corrections and concerns<\/a>, or write to the integrity concern form. A correction is recorded as a new version, never a silent edit.<\/div><\/details><details><summary>Can Insurance Nexus help me buy or place cover?<\/summary><div class=\"nx-answer\">No. GRA does not sell, solicit, negotiate, place or broker insurance, and does not introduce counterparties. Licensed insurers and brokers do this under their own authority.<\/div><\/details><details><summary>Is competitor data shared through the platform?<\/summary><div class=\"nx-answer\">No. Because members compete, GRA&#8217;s programmes are designed around competition-law safeguards that keep cooperation precompetitive, set out in a written competition policy. Any firm data would be aggregated before use.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\">Reports is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Insurance Nexus<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><span class=\"nx-chip\">Global Sector Risk and Resilience<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/insurance-nexus#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-scn-h-a01\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">How it works<\/span><h2 id=\"nx-scn-h-a01\" class=\"nx-h3 nx-mt-2\">How Insurance Nexus works.<\/h2><p class=\"nx-lede nx-mt-2\">Choose a view and press Play to follow the platform&#8217;s process, its programme year, the standards it applies and how its findings are published. The outline shows how the work is designed to run, not the status of any decision.<\/p><div class=\"nx-mt-3\"><div class=\"nx-pe\" id=\"nx-pe-a01\" data-nx-pe=\"nx-pe-a01\" data-active=\"platforms\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Insurance Nexus<\/p><h2 class=\"nx-pe-title\">How Insurance Nexus works<\/h2><p class=\"nx-pe-others\"><span aria-current=\"true\">Platforms<\/span> \u00b7 <span>Programme year<\/span> \u00b7 <span>Standards<\/span> \u00b7 <span>Reports<\/span><\/p><p class=\"nx-pe-cap\">A platform joins a field to named methods, labelled evidence and the outputs it publishes, without becoming the authority it serves.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Scope<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">Field and families<\/span><span class=\"nx-pe-k\">Start \u00b7 The platform lead<\/span><span class=\"nx-pe-sm\">The home states the field, its families and who it serves.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Topic dossiers<\/span><span class=\"nx-pe-k\">Record \u00b7 Platform authors<\/span><span class=\"nx-pe-sm\">Topics explain the subject with labelled evidence.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Evidence<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Evidence labels<\/span><span class=\"nx-pe-k\">Record \u00b7 GCRI<\/span><span class=\"nx-pe-sm\">Each value is labelled: observed, published statistics, estimated, modelled, scenario or unknown.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Methods<\/span><span class=\"nx-pe-k\">Step \u00b7 Method owners<\/span><span class=\"nx-pe-sm\">Methods come from the STEM Commons, each with one canonical page.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Scenarios on the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a><\/span><span class=\"nx-pe-k\">Model \u00b7 Foundry pillar<\/span><span class=\"nx-pe-sm\">Scenarios run on the Nexus systems, labelled as scenario.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Standards that apply<\/span><span class=\"nx-pe-k\">Record \u00b7 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a><\/span><span class=\"nx-pe-sm\">The platform names the standards that apply. A validator report is evidence for review.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Publish<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Editions<\/span><span class=\"nx-pe-k\">Record \u00b7 Reports<\/span><span class=\"nx-pe-sm\">Findings are published through Reports with their limits.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">Authority decides<\/span><span class=\"nx-pe-k\">Outcome \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">Decisions and execution stay with the government, operator or licensed institution.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/\" rel=\"noopener\">Insurance Nexus home<\/a> \u00b7 Platforms \u00b7 Shared methods<\/span><span>An outline of how the work is designed to run; it does not report the status of any decision or record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" id=\"nx-tp-globalriskalliance-com-insurance-nexus\" data-nx-takepart=\"GRA\" aria-labelledby=\"nx-tp-globalriskalliance-com-insurance-nexus-h\"><div class=\"nx-container\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Take part<\/span><\/div><h2 id=\"nx-tp-globalriskalliance-com-insurance-nexus-h\" class=\"nx-h3 nx-mt-2\">Take part in Insurance Nexus.<\/h2><p class=\"nx-lede nx-mt-2\">Start from who you are. Answer an open call. Or form and lead a competence cell on the Insurance Nexus platform.<\/p><div class=\"nx-mt-3\" data-nx-tabs=\"true\" data-active=\"routes\"><div class=\"nx-tablist\" role=\"tablist\" aria-label=\"Ways to take part\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-insurance-nexus-tab-routes\" aria-controls=\"nx-tp-globalriskalliance-com-insurance-nexus-panel-routes\" aria-selected=\"true\" data-key=\"routes\">Routes<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-insurance-nexus-tab-calls\" aria-controls=\"nx-tp-globalriskalliance-com-insurance-nexus-panel-calls\" aria-selected=\"false\" data-key=\"calls\">Open calls<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-insurance-nexus-tab-cell\" aria-controls=\"nx-tp-globalriskalliance-com-insurance-nexus-panel-cell\" aria-selected=\"false\" data-key=\"cell\">Cells and CERTs<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-insurance-nexus-tab-index\" aria-controls=\"nx-tp-globalriskalliance-com-insurance-nexus-panel-index\" aria-selected=\"false\" data-key=\"index\">The Index<\/button><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-insurance-nexus-panel-routes\" aria-labelledby=\"nx-tp-globalriskalliance-com-insurance-nexus-tab-routes\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">National institutions<\/h3><p class=\"nx-p nx-mt-1\">Ministries, statistics offices and agencies: a national desk and chapter, and a seat in the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/national-chapters\/\">National chapters<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Sectors and professions<\/h3><p class=\"nx-p nx-mt-1\">Operators, regulators, banks, insurers and professional bodies whose work touches Insurance Nexus. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/participate\/\">Participate<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Learning<\/h3><p class=\"nx-p nx-mt-1\">Courses and practice, with a record of every course completed. Free to study. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/open-learning\/\">Open learning<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Standards<\/h3><p class=\"nx-p nx-mt-1\">Draft, review and adopt the methods and data standards with the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Communities and research<\/h3><p class=\"nx-p nx-mt-1\">Universities, civil society and individual experts: projects, data and review. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">Write to the team<\/a><\/p><\/div><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-insurance-nexus-panel-calls\" aria-labelledby=\"nx-tp-globalriskalliance-com-insurance-nexus-tab-calls\" hidden><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-nx-calls=\"true\"><thead><tr><th scope=\"col\">Open call<\/th><th scope=\"col\">Seeks<\/th><th scope=\"col\">Closes<\/th><\/tr><\/thead><tbody><tr data-closes=\"2026-12-15\"><td>Founding call for experts to the working groups <span class=\"nx-chip\">CALL-FOUNDING-EXPERTS<\/span><\/td><td>expert, editor, chair<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2026-12-01\"><td>Open nomination for the three independent expert seats of the Global Standards Council <span class=\"nx-chip\">CALL-GSC-IND<\/span><\/td><td>council-member<\/td><td>2026-12-01<\/td><\/tr><tr data-closes=\"2026-12-15\"><td>Nominations of interim regional members (applies only if the transitional provision is decided) <span class=\"nx-chip\">CALL-GSC-REG<\/span><\/td><td>council-member<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Review of the wave-1 risk core outlines (C1, C2, C3, C4, C8, C10, C11) <span class=\"nx-chip\">CALL-REVIEW-WAVE1<\/span><\/td><td>contributor<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts for the core standards of risk science: uncertainty and evidence grading, scales, structured expert judgement, tolerability, extremes and compound events, catastrophic and existential risk, ethics and equity, units and measurement (NRS-C17 to NRS-C24) <span class=\"nx-chip\">CALL-CORE-SCIENCE<\/span><\/td><td>expert, editor, chair<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-03-31\"><td>Independent reviewers for the families of the hazard atlas, three from at least two regions for each family (NHS2-R19), priority families first <span class=\"nx-chip\">CALL-ATLAS-REVIEW<\/span><\/td><td>expert<\/td><td>2027-03-31<\/td><\/tr><tr data-closes=\"2026-11-30\"><td>Members of the interim Frontier Safety Review Panel and red-team reviewers (biosafety and biosecurity, AI safety and security, critical-infrastructure security); applications treated in confidence <span class=\"nx-chip\">CALL-FRONTIER-SAFETY-REVIEW<\/span><\/td><td>expert<\/td><td>2026-11-30<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts in ontology, metrology, software verification and conformity assessment for the requirement register, the NHS-2 machine representation, the conformance test suites and the conformity assessment scheme <span class=\"nx-chip\">CALL-CONFORMANCE-ONTOLOGY<\/span><\/td><td>expert, editor<\/td><td>2027-01-31<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note\">Calls past their closing date are hidden automatically. Every call, proposal and route: <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/open-areas-and-calls\/\">open areas and calls<\/a>.<\/p><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-insurance-nexus-panel-cell\" aria-labelledby=\"nx-tp-globalriskalliance-com-insurance-nexus-tab-cell\" hidden><div class=\"nx-panel-split\"><ol class=\"nx-terms\"><li><h3 class=\"nx-terms-t\">Gather the cell<\/h3><p class=\"nx-terms-d\">Bring together three to seven people with complementary skills: data, field practice, policy and communication.<\/p><\/li><li><h3 class=\"nx-terms-t\">Register it<\/h3><p class=\"nx-terms-d\">Write to the team with the cell&#8217;s name, members, area and region. You receive a reference and a contact. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">Write to the team<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Choose a charter<\/h3><p class=\"nx-terms-d\">Pick one focus: research and evidence, data and maps, standards review, or community preparedness.<\/p><\/li><li><h3 class=\"nx-terms-t\">Learn together<\/h3><p class=\"nx-terms-d\">Follow shared study paths at Risk Academy, with practice and a record of every course completed. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Hazards and resilience<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Lead and report<\/h3><p class=\"nx-terms-d\">Hold regular sessions. Publish what the cell learns through Reports. Bring findings to the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/li><\/ol><aside class=\"nx-callout nx-panel-aside\" aria-labelledby=\"nx-tp-globalriskalliance-com-insurance-nexus-cert\"><h3 class=\"nx-h4\" id=\"nx-tp-globalriskalliance-com-insurance-nexus-cert\">Specialise as a Community Emergency Response Team (CERT)<\/h3><p class=\"nx-p\">A CERT prepares its neighbourhood for the hazards it faces. It builds a local hazard profile from this site&#8217;s map. It trains in household and street preparedness. It learns first aid and light search through recognised local providers, and it runs drills.<\/p><p class=\"nx-p\">A CERT works alongside the local emergency services and follows their direction. It never replaces them and is not an emergency service.<\/p><\/aside><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-insurance-nexus-panel-index\" aria-labelledby=\"nx-tp-globalriskalliance-com-insurance-nexus-tab-index\" hidden><p class=\"nx-panel-lead\">What a national team or a local community can do on The Global Risks Index (NXS-GRX) today.<\/p><div class=\"nx-cells\" data-cols=\"4\"><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Your country&#8217;s profile<\/h3><p class=\"nx-p nx-mt-1\">Open risk profiles for 195 countries, with sources and licences on every value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Correct or reply<\/h3><p class=\"nx-p nx-mt-1\">Correct a value or reply for your country. The change is logged with its effect. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Offer data<\/h3><p class=\"nx-p nx-mt-1\">Offer a dataset. It enters through the licence gate, with your credit. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Use the open data<\/h3><p class=\"nx-p nx-mt-1\">Layers, profiles and tiles through the open API. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-hue=\"finance\" id=\"nx-grix-globalriskalliance-com-insurance-nexus\" data-tone=\"alt\" data-nx-grix=\"risk:world\" aria-labelledby=\"nx-grix-globalriskalliance-com-insurance-nexus-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><span class=\"nx-eyebrow\">The Global Risks Index<\/span><h2 id=\"nx-grix-globalriskalliance-com-insurance-nexus-h\" class=\"nx-section-title\">Every figure on this page is indexed: hazards, climate, conflict, the world.<\/h2><p class=\"nx-lede\">The Index is the Consortium&#8217;s indexing system for risk data. Every indicator, hazard, series and country profile carries its <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> identifier, its source and its licence, so what this page shows can be traced, corrected and reused.<\/p><\/div><div class=\"nx-grix\"><ol class=\"nx-grix-rail\" aria-label=\"The data pipeline\"><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">01 \u00b7 Sources<\/span><span class=\"nx-grix-t\">205 registered sources<\/span><span class=\"nx-grix-m\">Every value keeps its source and licence; withheld values are counted.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/data\/\">Data and licences<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">02 \u00b7 Nexus Standards<\/span><span class=\"nx-grix-t\">NIS-1 and NHS-1<\/span><span class=\"nx-grix-m\">451 indicators, 905 hazards; every record carries a <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/uni\/\" data-tc=\"UNI\" data-tk=\"Nexus Standards\" data-td=\"The universal identifier of every Nexus artifact (NS-1)\">UNI<\/a>.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">03 \u00b7 The Index<\/span><span class=\"nx-grix-t\">54 series, 195 country profiles<\/span><span class=\"nx-grix-m\">Computed on the standards; no value is published until an edition is released.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/\">The Global Risks Index<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">04 \u00b7 This page<\/span><span class=\"nx-grix-t\">Insurance Nexus<\/span><span class=\"nx-grix-m\">Maps, figures and feeds read the Index in the context of hazards, climate, conflict.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/developers\/\">Public API<\/a><\/li><\/ol><div class=\"nx-grix-kpis\"><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Sources<\/span><span class=\"nx-metric\" data-count=\"true\">205<\/span><span class=\"nx-metric-note\">registered, each with its licence<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Indicators<\/span><span class=\"nx-metric\" data-count=\"true\">451<\/span><span class=\"nx-metric-note\">NIS-1, 106 composites, 20 domain indices<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Hazards<\/span><span class=\"nx-metric\" data-count=\"true\">905<\/span><span class=\"nx-metric-note\">NHS-1, crosswalked to UNDRR-ISC HIPs<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Series<\/span><span class=\"nx-metric\" data-count=\"true\">54<\/span><span class=\"nx-metric-note\">global, sector, strategic, technology, thematic<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Country profiles<\/span><span class=\"nx-metric\" data-count=\"true\">195<\/span><span class=\"nx-metric-note\">one site per country<\/span><\/div><\/div><div class=\"nx-grix-grid\"><div class=\"nx-grix-col\"><h3 class=\"nx-grix-h\">Series in this context <span class=\"nx-grix-hm\">hazards, climate, conflict<\/span><\/h3><ol class=\"nx-grix-ledger\"><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GLB<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/global\/\">Global Systems<\/a><span class=\"nx-grix-row-d\">The state of interdependent <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 global-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk whose hazard, consequences or causal chain crosses national borders and acts at continental or planetary scale, so that no single country can assess or manage it alone.\" data-ts=\"NRS-C1\" data-tr=\"draft\">global risk<\/a>: the twenty domain indices aggregated to the world, the five core <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> (water, energy, food, health, biodiversity) and their couplings, the global tail register and the gap\u2026<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000002<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">TH<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/th-04\/\">Disaster Risk Intelligence (DRI)<\/a><span class=\"nx-grix-row-d\">Signals, observations, event streams, geospatial layers and scenario packs turned into structured risk intelligence for preparedness and planning.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000111<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-10\/\">Global Cities<\/a><span class=\"nx-grix-row-d\">Urban exposure, heat, flooding, informal settlement, service dependency and the economic weight of cities at risk.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000068<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Infrastructure \u00b7 Climate<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-07\/\">Global Climate<\/a><span class=\"nx-grix-row-d\">Chronic and acute physical climate hazard, transition exposure, adaptation gaps and scenario pathways to 2030, 2050 and 2100.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000065<\/span><span class=\"nx-grix-dom\">Climate \u00b7 Hazards \u00b7 Finance<\/span><\/span><\/li><\/ol><p class=\"nx-grix-foot\" data-nav=\"inline\"><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/series\/\">All 54 series<\/a> \u00b7 <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/indices\/\">The 20 domain indices<\/a><\/p><\/div><div class=\"nx-grix-col nx-grix-side\"><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Country profiles <span class=\"nx-grix-hm\">the world<\/span><\/h3><div class=\"nx-grix-chips\"><a class=\"nx-grix-chip\" href=\"https:\/\/risksindex.com\/countries\/\">All 195 country profiles<\/a><\/div><p class=\"nx-grix-foot\">Every country profile carries the source and licence of each value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/contribute\/\">Correct a value or reply<\/a><\/p><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Hazard domains <span class=\"nx-grix-hm\">NHS-1<\/span><\/h3><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/atmo\/\">Atmosphere and weather<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000135<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/geo\/\">Solid Earth<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000138<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/sys\/\">Systemic and compound events<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000148<\/span><\/li><\/ul><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Geodata and API <span class=\"nx-grix-hm\">open<\/span><\/h3><p class=\"nx-grix-m\">Open layers on an equal-area hexagon grid, shown as densities per km\u00b2 or as symbols: <span class=\"nx-grix-tag\">People \u00b7 GHSL 2025<\/span><span class=\"nx-grix-tag\">People \u00b7 WorldPop 2025<\/span><span class=\"nx-grix-tag\">Built-up area<\/span><span class=\"nx-grix-tag\">Ports<\/span><span class=\"nx-grix-tag\">Airports<\/span><span class=\"nx-grix-tag\">Roads<\/span><span class=\"nx-grix-tag\">Railways<\/span><span class=\"nx-grix-tag\">Rivers and lake centrelines<\/span><\/p><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/observatory\/\">Risk Observatory map<\/a><span class=\"nx-grix-dom\">open<\/span><\/li><\/ul><p class=\"nx-grix-m\"><code class=\"nx-grix-code\">\/api\/v1\/public\/grix<\/code> \u00b7 <code class=\"nx-grix-code\">https:\/\/nexustandards.com\/uni\/{uni}<\/code><br><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/developers\/\">Developers<\/a> \u00b7 Data \u00b7 Made with Natural Earth, Public domain; GHSL and WorldPop, CC BY 4.0<\/p><\/div><\/div><\/div><p class=\"nx-grix-note\">Snapshot of the Index registries pinned 2026-10-23 \u00b7 22c6eed. Research and risk-analytics information: not a rating, an official classification, a warning, a benchmark or advice.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-globalriskalliance-com-insurance-nexus-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-globalriskalliance-com-insurance-nexus-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-globalriskalliance-com-insurance-nexus-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/programme\/the-nexus-cycle\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> The cycle<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/insurance-reinsurance\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Insurance, reinsurance and protection gaps<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><nav class=\"nx-deeper nx-hubs\" aria-labelledby=\"nx-deeper-globalriskalliance-com-insurance-nexus-hubs-h\" data-nx-hubs=\"4\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-globalriskalliance-com-insurance-nexus-hubs-h\">The same subject across the Consortium<\/h2><ul><li><a href=\"https:\/\/nexustandards.com\/finance\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Finance, Insurance and the Economy<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/insurance-reinsurance\/\" data-ext><span class=\"nx-deeper-k\">Learn:<\/span> Insurance, reinsurance and protection gaps<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksindex.com\/series\/th-03\/\" data-ext><span class=\"nx-deeper-k\">Index:<\/span> Disaster Risk Finance (DRF) series<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/fields\/insurance\/\" data-ext><span class=\"nx-deeper-k\">Field:<\/span> Insurance and catastrophe<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-21\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-21\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. 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=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/readiness-request\/\">Propose a readiness pilot <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-22\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-22\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/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\/insurance-nexus\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Who publishes Insurance Nexus?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Global Risks Alliance (GRA) publishes Insurance Nexus and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.\"}},{\"@type\":\"Question\",\"name\":\"Is Insurance Nexus active?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Insurance Nexus is an established platform of The Global Risks Alliance. Information and enquiries are open today. 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.\"}},{\"@type\":\"Question\",\"name\":\"How can I contribute?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Start with the participation paths or write to the contact form. An enquiry receives a reference; it does not create membership, a role or an assignment.\"}},{\"@type\":\"Question\",\"name\":\"Where are findings published?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Reviewed outputs appear on the publications page , and contributions to the Reports series are listed on Publish in Reports.\"}},{\"@type\":\"Question\",\"name\":\"Which values on this platform are real?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Indicator names, units, sources, methods and frameworks are real. Levels in figures and canvases are examples in a design. A programme replaces them with labelled evidence it owns.\"}},{\"@type\":\"Question\",\"name\":\"How do I report an error?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Use corrections and concerns , or write to the integrity concern form. 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