{"id":1849,"date":"2026-05-25T23:22:13","date_gmt":"2026-05-25T23:22:13","guid":{"rendered":"https:\/\/globalriskalliance.com\/insurance\/?page_id=1849"},"modified":"2026-10-17T05:25:49","modified_gmt":"2026-10-17T09:25:49","slug":"home-2","status":"publish","type":"page","link":"https:\/\/globalriskalliance.com\/insurance-nexus\/","title":{"rendered":"Insurance Nexus"},"content":{"rendered":"\n<!-- Nexus network page \u00b7 https:\/\/globalriskalliance.com\/insurance-nexus\/ \u00b7 source authored \u00b7 generated by integrations\/wordpress\/network\/build.mjs, never edit this file --><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-fig-engine\" 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: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-hero\" data-layout=\"fieldmap\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A01 \u00b7 HOME \u00b7 home<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Insurance Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Insurance and catastrophe \u00b7 Climate and hazards \u00b7 Health and biosecurity<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Insurance Nexus<\/h1><p class=\"nx-tagline\">Insurance-sector risk governance, underwriting-relevant knowledge and risk protection gaps without underwriting. Insurance Nexus is an established platform published by 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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/about\/\">About GRA<\/a><\/div><dl class=\"nx-facts\"><div><dt class=\"nx-eyebrow\">Publisher<\/dt><dd>The Global Risks Alliance<\/dd><\/div><div><dt class=\"nx-eyebrow\">Field<\/dt><dd>Insurance and catastrophe, Climate and hazards, Health and biosecurity<\/dd><\/div><div><dt class=\"nx-eyebrow\">Status<\/dt><dd>Established<\/dd><\/div><div><dt class=\"nx-eyebrow\">Service level<\/dt><dd>R0: information and enquiries<\/dd><\/div><\/dl><\/div><div class=\"nx-hero-stage\" data-lv-fill=\"map\" data-lv-id=\"hazard\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"gulf-coast:risk\" data-ml-src=\"risk\" data-ml-plan=\"p-bbb3ffa1\"><div class=\"nx-wm\" data-nx-water=\"ctx-risk\" data-wm-domain=\"ctx-risk\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-98,24,-80,33\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Hazards and exposure, the Gulf of Mexico coast: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Hazards and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"imerg\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-short=\"Precipitation\" data-wm-prov=\"NASA GES DISC\" data-wm-kind=\"Satellite estimate, near real time\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Precipitation rate, daily mean<\/span><span class=\"nx-wm-layer-src\">NASA GES DISC GPM IMERG \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"imerg\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ssta\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-op=\"0.85\" data-wm-short=\"Marine heat (anomaly)\" data-wm-prov=\"NASA JPL PO.DAAC\" data-wm-kind=\"Satellite analysis\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Sea surface temperature anomaly<\/span><span class=\"nx-wm-layer-src\">NASA JPL PO.DAAC GHRSST MUR25 \u00b7 <span data-wm-date=\"ssta\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ssta\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For insurance nexus, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on the Gulf of Mexico coast; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gpm.imerg\">GPM IMERG precipitation, NASA Precipitation Processing System; distributed by the NASA Goddard Earth Sciences Data and Information Services Center (GES DISC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.podaac.ghrsst-mur\">GHRSST Level 4 MUR analyses, NASA Jet Propulsion Laboratory; distributed by the NASA Physical Oceanography DAAC (PO.DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Precipitation rate, daily mean: GPM IMERG, NASA GES DISC \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/li><li>Sea surface temperature anomaly: GHRSST MUR25, NASA JPL PO.DAAC \u00b7 <span data-wm-date=\"ssta\">12 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A01\/home#map\" data-nxf-title=\"Insurance Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief\"><span>01<\/span>Insurance Nexus in brief<\/a><a href=\"#nx-s-3-sec\"><span>02<\/span>Underwriting and claims console, in\u2026<\/a><a href=\"#nx-sec-spatial\"><span>03<\/span>A parametric trigger, read on the map<\/a><a href=\"#nx-s-5-sec\"><span>04<\/span>The questions this field works on<\/a><a href=\"#nx-sec-frameworks\"><span>05<\/span>What the work is read against<\/a><a href=\"#nx-sec-the-problem\"><span>06<\/span>Insurance absorbs shocks, until it\u2026<\/a><a href=\"#nx-sec-what-the-platform-does\"><span>07<\/span>Shared understanding, not underwriting<\/a><a href=\"#nx-sec-foundations-and-counterparts\"><span>08<\/span>Methods from the STEM Commons,\u2026<\/a><\/div><\/nav> <div class=\"nx-signals\" role=\"group\" aria-label=\"Insurance Nexus in figures, from the registry\"><div class=\"nx-container\"><dl><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd class=\"nx-metric\" data-count=\"true\">5<\/dd><dd class=\"nx-metric-note\">Canonical methods this field applies<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd class=\"nx-metric\" data-count=\"true\">9<\/dd><dd class=\"nx-metric-note\">Subject pages in the field<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd class=\"nx-metric\" data-count=\"true\">13<\/dd><dd class=\"nx-metric-note\">Platforms in shared fields at GCRI, GRF and GRA<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd class=\"nx-metric\" data-count=\"true\">2<\/dd><dd class=\"nx-metric-note\">Nexus Reports series it contributes to<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><\/dl><\/div><\/div><section id=\"nx-sec-brief\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Insurance Nexus in brief.<\/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'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; risk transfer concepts; protection gap 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 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 id=\"nx-s-3-sec\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Underwriting and claims console, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this platform: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-insurance-underwriting\" data-cx=\"insurance.underwriting\" data-variant=\"section\" aria-label=\"Underwriting and claims console: illustrative console with placeholder 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'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's structure, terms and states for Insurer Alpha.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-spatial\" class=\"nx-section\" data-hue=\"health\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">A parametric trigger, read on the map.<\/h2><p class=\"nx-lede\">How a storm crossing a trigger zone would set a payment. Real geography; synthetic storm and design terms.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"parametric-cyclone\" data-gl=\"sf:parametric-cyclone\" data-sf=\"parametric-cyclone\" data-sx-credit=\"Natural Earth (public domain) | relief: Mapzen Terrain Tiles | synthetic storm and design terms\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Mapzen Terrain Tiles relief (SRTM, GMTED2010, ETOPO1) ~ attribution as published by Mapzen ~ https:\/\/github.com\/tilezen\/joerd\/blob\/master\/docs\/attribution.md | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"compare\" aria-label=\"Interactive map: a synthetic tropical cyclone passing Jamaica, with a trigger zone coloured by modelled wind. The panel steps the storm and shows whether the illustrative trigger is met.\" 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\"><figcaption class=\"nx-fk-cap\"><span>A tropical cyclone passing Jamaica, read against two ways of triggering a payment.<\/span><span data-honesty=\"true\">Synthetic storm and design terms, not a policy or a price.<\/span><\/figcaption><\/figure><\/div><\/div><\/div><\/section><section id=\"nx-s-5-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Topics<\/span><\/div><h2 id=\"nx-s-5\" 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-frameworks\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"split\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Frameworks<\/span><\/div><h2 id=\"nx-s-6\" 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'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 climate change 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\">Sendai Framework for Disaster Risk Reduction<\/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 risk transfer 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><section id=\"nx-sec-the-problem\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">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. Climate change 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-what-the-platform-does\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">What the platform does<\/span><\/div><h2 id=\"nx-s-8\" 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, risk transfer 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's programmes are designed around competition-law safeguards that keep cooperation precompetitive, set out in a written competition policy that counsel reviews before membership opens.<\/p><\/div><\/div><\/section><section id=\"nx-sec-foundations-and-counterparts\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Foundations and counterparts<\/span><\/div><h2 id=\"nx-s-9\" 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 tail risk, 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 Nexus Foundry it works with the <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-foundry\/systems\/dss\/\" target=\"_blank\" rel=\"noopener\">DSS<\/a>, GRIx and EOP systems, and its work is designed for the Finance and Insurance Readiness and Global Sector Risk and Resilience report series. In the annual Nexus Universe programme, its planned theme is protection gap 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\/\" target=\"_blank\" rel=\"noopener\">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\/\" target=\"_blank\" rel=\"noopener\">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><section id=\"nx-sec-areas\" class=\"nx-section\" data-hue=\"health\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Coverage<\/span><\/div><h2 id=\"nx-s-10\" 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 insured loss 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 social protection.<\/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 systems 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, nature-related risk 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-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Insurance risk<\/td><td data-label=\"Definition\">The risk that claims and related expenses differ from what was assumed when policies were priced and reserved, through frequency, severity, timing or accumulation.<\/td><\/tr><tr><td data-label=\"Term\">Protection gap<\/td><td data-label=\"Definition\">The share of economic loss from an event or risk that is not covered by insurance and falls on households, firms or public budgets.<\/td><\/tr><tr><td data-label=\"Term\">Reinsurance<\/td><td data-label=\"Definition\">Insurance bought by insurers to transfer part of their risk to another carrier, limiting the effect of large or accumulated losses on their capital.<\/td><\/tr><tr><td data-label=\"Term\">Solvency capital requirement<\/td><td data-label=\"Definition\">The capital a supervisor requires an insurer to hold so that it can absorb severe losses; Solvency II calibrates it to a one-year horizon at a stated confidence level.<\/td><\/tr><tr><td data-label=\"Term\">Catastrophe model<\/td><td data-label=\"Definition\">Software that combines hazard, exposure and vulnerability modules to simulate many possible events and estimate the distribution of insured loss.<\/td><\/tr><tr><td data-label=\"Term\">Own Risk and Solvency Assessment<\/td><td data-label=\"Definition\">An insurer's own assessment of its risks and the capital it needs over its business plan horizon, required under IAIS ICP 16 and Solvency II.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Grounding<\/span><\/div><h2 id=\"nx-s-12\" 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\" data-processing=\"true\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Cycle<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How work moves in this field.<\/h2><p class=\"nx-lede\">A question becomes evidence, a governed build, an organized 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\"><span class=\"nx-cycle-rail nx-mt-3\" aria-hidden=\"true\"><\/span><ol class=\"nx-cycle\"><li><span class=\"nx-cycle-step\">Question<\/span><span class=\"nx-cycle-owner\">National, regional or institutional priority<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/\">Question in Insurance Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Evidence<\/span><span class=\"nx-cycle-owner\">STEM foundation of the platform<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/\">Evidence in Insurance Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Build<\/span><span class=\"nx-cycle-owner\">Nexus Foundry<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/foundry\/\">Build in Insurance Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Organize<\/span><span class=\"nx-cycle-owner\">Nexus Ecosystem<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/community\/\">Organize in Insurance Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Test<\/span><span class=\"nx-cycle-owner\">Nexus Universe (independent site)<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/universe\/\">Test in Insurance Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Publish<\/span><span class=\"nx-cycle-owner\">Nexus Reports<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/reports\/\">Publish in Insurance Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Decide<\/span><span class=\"nx-cycle-owner\">Competent authorities and institutions, through Nexus Rails<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/trust\/\">Decide in Insurance Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Renew<\/span><span class=\"nx-cycle-owner\">Corrections and the next annual agenda<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/\">Renew in Insurance Nexus<\/a><\/span><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">The Nexus cycle on this platform.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Canvas<\/strong> \u00b7 the Nexus cycle on this platform<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a01-catmodel-t nx-dag-a01-catmodel-d\" data-nx-z=\"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\"><title id=\"nx-dag-a01-catmodel-t\">Insurance Nexus: catastrophe model pipeline<\/title><desc id=\"nx-dag-a01-catmodel-d\">A stochastic event catalogue drives the hazard module; exposure and vulnerability turn intensity into damage; the financial module applies policy terms; event and year loss tables give exceedance curves, PML and TVaR. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>The Nexus cycle on this platform, from question to renewal. Design, not a record of a run.<\/span><\/p><\/div><\/div><\/div><\/section><section id=\"nx-sec-consortium\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Consortium<\/span><\/div><h2 id=\"nx-s-15\" 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\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/food-nexus\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/energy-nexus\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/health-nexus\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/biodiversity-nexus\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/climate-hazards\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/disaster-resilience\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/oceans-coasts\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-s-16-sec\" class=\"nx-section\" data-hue=\"health\" aria-labelledby=\"nx-s-16\"><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\">Pages<\/span><\/div><h2 id=\"nx-s-16\" 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 Nexus 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 Nexus 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 Nexus 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-17-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-17\"><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\">Connected<\/span><\/div><h2 id=\"nx-s-17\" 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\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/climate\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/health\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-18-sec\" class=\"nx-section\" data-hue=\"climate\" aria-labelledby=\"nx-s-18\"><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\">Questions<\/span><\/div><h2 id=\"nx-s-18\" 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 published by The Global Risks Alliance. The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/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 <a class=\"nx-link\" href=\"mailto:contact@globalriskalliance.com?subject=Insurance%20Nexus%3A%20contribution\">contact@globalriskalliance.com<\/a>. 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 Nexus Reports series are listed on Publish in Nexus 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 placeholders 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 <a class=\"nx-link\" href=\"mailto:integrity@globalriskalliance.com?subject=Insurance%20Nexus%3A%20correction\">integrity@globalriskalliance.com<\/a>. 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's programmes are designed around competition-law safeguards that keep cooperation precompetitive, set out in a written competition policy that counsel reviews before membership opens. Any firm data would be aggregated before use.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-19\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-19\" class=\"nx-h3 nx-mt-2\">Around Insurance Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-20\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-20\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Insurance%20Nexus%3A%20Insurance%20Nexus\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/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. 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