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Ir1DG6j3k9W1TzS0dqMw88MZy3maZp\/ON9N6O+B0+3RWSyu0DyDsakuBwZ4Cq9jJZQWeh4wmlstkRzT7hOsJ3LyDfp1y9UK+6jy3V7z2eK5uo\/WCcQvXHCTMmYDWC11bMLEDvSTDKHFZrY95Isj1E3ARaGNnHJMSo4+PistCcLTK3FdOyoCFqcK9MgOW+a4C\/V2SgGUZS4BrxNNd7Lh+OKJFjpAAm7mKFi+V3OFy4W3kh1ThyxO0B0lf+Xq2JODOrfyTPUOkAONnSTRh3DNFQ5HoD9Va4VONMzIHK4gJph8mHuUOGfpBIIovhXOvH1ryyX58lE9GSMC1bQrwXdXsGJXJWbnSAzzQAx6oxqXkbXm2A6anEGZEPwbdo03VBVkKZSmBhYwnrIS+BAkPPOGhw8gDJPhDtVRTi+QTomldPuu1LFnnVEUn5HAzU9ZfZMI6upDr6EKuowvyYArHSp7zBbUumhziBsxJuEKjcfkyE+w8pJ+JEN8qXyI+wIxUeA9JyhyJWvUDl+bOnMkK\/VgmNeYZ9gAaFDIsQdRvAJ6wNIsSpsp1p9nN3U03+131uEEjhS8i5G6NriF+i87\/JZwdCpuzMPLAaeYP1b9Ekc0xN8sJp0ZVEKjiHSfcBiq2G3CID0bB3TSKsrEfji5DZxAwT8gAh3iJs+BWg\/qOuPgdGAnvwEJ4R5Z6p3iFp5XWRBvXwmahBxwtH1QHf8ZhAzV8eNzLsj28CaujBRwxzeH9JT0uFXsWZfnWTnN6W7q5U0aMgmjgBGfcQ0yODysqKGvfANLzzdbExtJGc+RFvSpAupxL7qja7jJP3qzjuF6HKCjwCrMCy3rJFCJJIjgXLFLL3myNb6g9Rf8fZCOgZzR1B5FWtPJDReYbwZALkEsJ+zljaXYW+lNws4avwTOieqzyNI6IE\/pTLjbEo4qeLyj2CVP2pLc6dZ0APNVTRlPWT9kG2L8sflZsOOlEs4wqAtr+l\/TjLXcXgg0oo+nmeCPO1v2RsrrULV14KSPCjy24pubySOhXUCAxmJp4WLiLuMuneO7ZnSoZgcoBa5QwNWP6mYBSrg4RXtKvTNV1bT8GV0fNEFu2YmRWXRDagj9Upwytp6x+4I2qy1Oq9+E8Hxn6S+apS6who\/GuI9CyJlMFRrhkaL1kcsNHmIZc+1Jqxyh+Stw88J\/bX01odZwEDIwFGIAJWeIVOBqEsZeQB6zjEViK\/0TR9PHxWBh1wa+WFBMWlJ9q\/VCGUKvF6rikX1V4MYXlwU3th1ay2RZ+CybBPuRdmX+r66WxBE+4OhTeg7d4ZSwt3e6osXAgvMUPxlVeazRkMDKxbj1tr0unRAJymYXZt86QgDaKi4S\/O0OSRXFt+Z+xxh7DiMS+O+mLHz7Oz9LhXJZwWN0wS\/oJ8fxpWzGUdkJ8z1AU6c+469+VOXcy545ytSD+g9Iln9kErX3CjQ+V14OhDqxMnViRi2SRzZmL\/5G5P4WkT3g9Q6gn8+OzTB3iBJ5QXpb3PXbvxyrKx8Um6yxJo4QmfSWOfK5IGopSjdDnuD63EiKzrzyb8gngp0fHYIDdipxzJ85mCZBXCYrk2c8rtJYOyg+DH8zNyIStUvWci7ahVLMppTpan9F1bPD6setMjfXSYJx4GVnlGGxWebxCGKVV0W4xCefW0NJsMIXgSbdtE6r0Q3dscJYer+Io456DzrJwH3SW3I3yYDDygKe+Z1gcoL3knpYuVgGovRTiw5bdAElUZ7dJjSoFgvyh2kTcFiKHMIqzouvbuDkjvOd8WuOtwcIQYz7YK\/6k27CPVRsl5ytuyHOG4ta8Kba3vqpnZOqDYwiLB8gCbp8z9Yw8tN7uV74sDRf92GRlab2BhQ+S4yPn46Jiwc6fuCz5yBm6aEnw9ScQJ4Vk+Vm6EkqjDKo4I9zH48KrLl51u6lNM3lKT3qAT3tofca9G1LF2jzpwBcsL3FG5Z4onwRRpDTziiGdEdeZkmVnwfaHjA9FpKw6Lk+pDcFhnDERjKVYojhXFjN+v4oZWMBZNHPH5QGt3GHqjKkwXDzkdJjUZF28SVU4pmd92VvBCqbHApaxvSZtcTW+QVAV\/WjAZ7zPqTwPsBM\/HDF\/lMK90UluUYKgSfmqri65xFpWEst8buSFfErwsiafhAbjBr47uZzG2Qr02upNbSxuIyZXxTO0LhBfy75kUhj+oSbEzZLgHVs9PiZkyjLnHVuhEvkJiRNQerMLNnRmQaYWBpFg4X9AFLMgc\/6GTQXSOzT0ffjBFSaqRh+2JAAUT8f+MHvHVn0oeWzo5Hhn4fNa4QSmDMf0SNufCv1vCNhrK4+P\/IEqaP2PqpNDXKg+Jf54fqcA\/C4A958G1QrQN9EUDg3+ra42IM6SJFq8Bz8O5AqB3ImFSBYiM99V4hN381RF2r8u8jmuwQvoTvwM\/EW0CLdKtJslnp7nfEwcz7uEtPd+mrGQJWqxBnpQM\/YZPy7xFBDwjYInzwPNYgXHz4O4TuiyQMF1v\/Bulv49pn22sYA50OvRE11ajBl05ZLhdeykqT9ncrndDe4NAs6gCn54osIJWwlknjN5AmvL1jgLgpod4bjZ\/1LlIYqmHTAkKhPhtsEg7ixJWJjdO8mI8Rsum8gQVSkV9\/Aq\/VCyztET\/MChollWMs4GoGCQvNzRBF\/hJ3YyKH2yn7izcMCsT8zegQ+Jrlsmtjre7cSGUmJj6sQz31aqo\/I30OANO3lXNnjDG3zHrBtmN0wU3sAVo\/KUzicGPuEPg5Qlc5b0YRehmVTffIcdMb4mS0PNH6pXDK2vGIkEtDpGOQfaubwGPhBZceQI3GrFUdl74zNOGNjSxk+csGzMpqzuay\/OHEVFB\/AwWN1HG278YkmSG0KlESFNB\/xgxI+PpQIDWl2XHCJw7g\/97FW0fGp3Ccry8wCY12314LVrFxZNqWdwxSrmgG\/rqTqkVkpWuatW37ir7RFetdTh46NODhDCtf28OsjbCkSOs6maroyGcoofjFrhj0jsZzRRzCkYx+GosRMF2vyEZNGrIBpUlADWkDqEaoQiz9\/lYovhWGiUNuq+razjB7QWkm3DSn1A5gPV8oqiPD91ozDkVls+lrLt13L5Obi6aH4OrpLOz0E1ZOZOwFJsPgmxKSl3AjWEZcHxCdXMpCZgEilfEnt3JTUJ4w\/VCdzLY2F2E3kMretvjZOgE5Q\/tapwXi60ovpKK9fZYo9umGPpnGzQlTBLQZVOpF8hkX6FhDxw9fkn1+wqTehbeW1EHCL+nYOU418fmRwIX0HzSEsA4gbOYMJFMg07VMPXVMOZMB3Ela3fPPA4\/p3Tl6PG6ctxbXmby\/3Sczp60qUxeeKAwXl5BMF5EqI8gjDePoIwaYWQvn0EwWmFNRV1VnbRJU4aMzfDt3SC7+hk\/xw4\/u7UQes76pi31GmdS3MOJNakcytlldO5g6eFcYvHxl1t0iMVra\/lzktWaueD5v5uyPd3Q3GyZrCxmTHBDpyu5m7aAZ6pCAe1vnvSXLiGZna7z6K6AcHUczHY22fmQ7qYzksX061wMZ2XLqbbDRfTqqoWWsB31BVeJvGj3sIidgvL0ExF1dp7V7mGuCMJ39UNLWlMneM7YUw96ysy606gqmMLFf1ekcra+f8YijQat8aS56Nf6dsrzkS\/UG8XzwKB1H8QEu3sv9KO5ioyvYZydAZOh0I1GqF8\/nuaUVQpRlIp8nYpRZWU4s021+5zsXaPt9buW7Q+V2+rtZu\/P7N2Z9Xaff3E2n2N8mKwjVV79BurMZ+431hmF7+Ck9PnD9VxY3EbP7W4jX+5uBVHg8C5u72KoXV9eXq9sTw1Dw+MqQZ3TuVi3ema45PixRzQMR6XR3MC6lpjG0\/gp63b2KGuNbDxNfy0hZNrcpr+Qen1aSru9p2oTidALTXtTNC+et2ZoHaA1iP6xygvD3yPqo5+bFx29Ekor1437kq7xeX2zdRB7caui7A4Gg833YMT1wyKAxETmsJ9XiezAhv7JAhHVmAjE\/5SuDpijsWTbsvLtlZ1mgXE\/fXJkXldVJbxyuD8kxXAhefrVhcqbSTwQ0yOvHQOEoYfMssH0IxTLTkjvDLGeMyWxgDHTlY7pxWKtuZ0YIU2ntVPU82KQ1FzqHjOFfmisxHtmtGJ3jUjPoGz4pjU3IoANIJ+5bPGoe3qPNjQD2uXqEO+f70WtXZ07NFZa1Y2BPYdO3HN8szJio4sZndCvKBjeJjjB7pqrdqL1oKr2Scep47XjFc8sJiNqkNtuUcfzIiykj4iueV3xuj6ovvJYAx\/ujTGDA9WGUuNe4Y95n7iR9BW\/PmcBUFqvGHY80d+lhpvGZ5MjS8MJ+HI+JthN3CmsTFnOJ1NjX8YnjoTdptEP4zvDLOfMye4dJJsDJdPoaYruB5nfGQ4zq7CWzjh9prh0HfZu6nxleXm5gFwn5JD\/eDg4ACn9Ai7MgzCqLprlFVXQk6p3nvRPzTgQe\/1D+Dh5VG\/B7\/HvX4Xfo8O+rqh5fL62K5a+sq5k7FRlKz2lHZmKK9YEC32xrMk8V0nZEou75FZ3SPc6+GDLj7U8OGxoO+AWpYyiJYKVl5Fy70s8Ucjlig2thR+MVDBCmBhT7zYtVNkEzXDIZ6LUdcOkmo464RoX513woqiWrPWDC6z8ofakuxAJQV98\/s6NfrVzOgkK0RRBNTlD9XwlGZWZPNTS3PxqNvmjEZtvSAZa45nNQ3muo6sal8zw12UXzC4bgorRZb4bsdduQFcGLTpehp59bN4tW6GpCAyNSMu\/OKMRAjP6JyEOIJ8TniwGYywV38XG\/aY4RVH\/kIOV3DQTHDQok0ji4loHg80I1niuBN8Rh8kJvA57NaHI1VJh0WHOyxM2XQQFGbPLbXWoTNlhvKJDVnCQpftwRIxVXBmPOSVRLujunl3QjPCwtS8Kxj4kqrnKuqQQ9TqtvSXGr5pJGitkFx0P+EvlBwets9V1CJHXbisU91Og8Qewn9ReeH0A30A2QrNrqhmrk7OzFXR2jf6UN5UUM86Oq6R0qrzGiEbv6LqN3BgfOA3H3RdJ138HtJ0SNOLtOpOOwCKXgqEfKfvq8wb1HlVXZ6+QfhdkSve26\/qsLx8JM\/vO5kTdtV3+DvCU\/q9UxaKGGpdtlTSO2yTo8PWav8M4Xv6rorGsAPA\/EssChZ0tn2\/L4YFw2lP99WnB4TqZlJ1q+BQw9+srt360lLJy8M20VvnKoJL9yi\/lcdHBUlcSloRFLGntO9wZvyVC\/feBc3IIFrir5WoeYN\/lvzz5pReWJrdf3NCLyzd7v+E967d\/wnvPVu4Xut\/hfD5s1hF76hm3p3cFkxdUpw4grJB1PNZ0FHadwh\/3l7vZ2ibc+RR18qeZJ0jDC4\/hH\/sSjU\/W0xekmDLWCW941Z1977Tre6wJ3BNo5wKmXF71fqBOnC7FOV\/CgR\/Ro2TeW9El35Wve91Ze9bZwj\/vSMd7WaRf+gbq8EVOrJxyOgba1Xx8ozRFQShMGfshMLforTD6Iztu9hn9B9+iyiEQ5+dfzgzOQxPIF0X6Tqk6yI9hvSuSO9Celekjxg9OOrErEX0Q3zJqhAGPit4bufcPDCqzrnqxeyOzwpGPhfJIVcaJkVy65LhAasFQzhnrXPWfmCtB+mXv2VUHbATOmL9WAYc4AFtdDxg+yOGjCIVLs+O2P6AYXKEUMsHJeSWnf4Nisca\/tJbJu+PNfr802Kts\/bKpgBT6iM\/qzlOGTAH\/ruYJA3mRMMz+ONsHtL1oW6fndC\/TZ\/Jxeyr+sbyGSxmWDzooAo58rjtPxXR\/oNHErRro\/Ky5Np1MuMf7Iep7zHDYXgYeMbPmuY\/ZYJ7of2\/6a31xsb\/0L\/JMPAeH1X+Sz2m\/k0yhKDrKX\/G\/+CfqByEtnsuOS0Ben7aQGl8yWpNVJ\/hjHjTEddz+QPXfguA2h2o3bCdI9T603pjA7DqWczu++z0oNjIJDrc6chnbJ8uTIf\/5So9o46akdQdM48Lr5AR18kQEHCVwTUYDLdFR9vJDivNWsCpqKBAbMiIeMIc2JgxHERpCggfREtjwrDvLY2Y4ZAxzxgxoa8u2XNCbymP9E+ZeofPOjAs2X5qZJhrFcYch8YML4xI3m\/1cJqxODXOMJfcqXGLhz4LPMNjWCgwqTFlmIWpsRRdu8B+CJsHX8F+ZgnfHNup0fAK6yFuZLAGmQPKDTyyuILJ+Hva0euwLEZmBltddM2MOZ4YM+wZIZFq5eOjUDXDaGFkRHZZBdsCs9AzuBZizW2cJUYmGoZXkuU5nvtskRprN5qCyWzU9WDh8+StkjBa4DmotJ+YA84vBY\/VkBMDSVgcOC5Ta9oyhuc9BeGaWhhKiughrHA1+N6HmCBwphN2LPoycEbxjgzlBjRGHBLfawKI9xJA1HbrrMDLi\/fSsZOwvWi4F\/hTP1PwtawSdmiuZWl4Lh87Rf4p1foKHMz696zb1bsKal9Xh0u2oIGzZRqltEjtK4pRJJ9WiRBHxeABVKCv16ACB8zbA2rfS2dxHCVZKroKpF72tXwRY3zlpH66N3JiBZeD6pRQv+j+JjhqouD3KtkER7xrRQgHYQVIUlLXY+Z4hnKW7WVjP90DGlawY6zFZRywihTsGhDDJceDMrlmFPHcngIequHwvcjmVuPe1A9n6R4n+SRapMYcNre42GmwYWVECSL2cFQjZ49mJBXCyprZGKQKXtEZbP1CzX1Lw4e2YWmY9GxTShVrBUJVq3kDwNRYnHiFDFqADCqAPWvBl6BF37MWHd3mkYL44apmPv\/Vbbh4VTajQ3JRrSgrNxMfan2MgAWNUvrzYpFgNITPGoBi\/o1IzmFjysCDUWixHCEKXhhzPDbARpkaln6E9QPcO8YHsKT4WcCMguH2OPws4CyXjdmecOgyb89jqT8KFbw01p6xwpnvTlKjgV4dd3EPHxRo1g4x0THoPqSLSfcQEI+HtSKa0ZVXuao05S5LonDE0mzPLeSPH\/KeQL4kKM+Bc\/WSrnK8gi5BB2zZLWgeGjzE5MUhJA\/LppS7pkDJMQRnYalhrSeGkioFmMQHUG2td66ucCLGcZYaDKrNbTzm7ktZQxgtAEcPeGWcAcXzwEuJcSjrvVbPUG5jN4GFUR7AAMckROF5ltizBEdA0h78YbRTRY8TWvCsIFmuDEcF4bVSPLNWoA5JclvQjPDFTuXpmi3y5cGvBVe3GFyvYnRVHd5ip3C0zJP20cRQ\/FBpM7j8zFop3HlWQddupeWIxWjhaFhB9CBKFSVHJnSeH5\/7daWzkmFqdUsL7IFyfMNkrDTj5RHcuNb1HkBBbKlC\/hREBIKHwx9weICEAr0XvEBvu8BBUeBQFOi94AWONF7gYLvAoZI\/zYZihks+fCH48IDz4UGdD++4sQnu8DD1s9Ue7NvsZf6USc6zNNxES43muwf44Bi\/6OKXR1jvwkm0iqTOCttUuW83Yu2cwaH1sZIXbHSgYf1IK2s9OuC16T2s915AjVox8Gtn6U9nUx7XFu9NwihLQfQ7oZcaD3guHrwGe00y5bnSgFkezAy4K4K2chtPnWQCMUPq3CVYYtJKi9qU3AY+mjpZ4i936m7FkjED\/omwx9lH+M4OhNNsJnlG43uRGhzha3huudpVcFnNiSvUMWbjBZ2XkmIl9R5jJfUbc2b1Oiux0Oq2bS3sNtUlIevbnYEEj2qmd3JgepDwUBk5D3gG7jwPLvCKrS6Bm4qIQRfb63F9RFJx2G1mdot0vZmuF+lamX4T7WWg2+XCRXUuWovrAOA95cXiJ6qLn2g+3uzzJg+NmZMVPCRmV+oIZ9iNgtQ4x8HCeNnF7sI4PMbu2Ogd4CyKje5Bg6HSvcGKj4KvJA09bc+BSA9pJrJjx\/cUbldUVHSL7wp\/38y6ta07G9\/QXucWf6E3lNI7\/Jpe9stF+xDrdfY6aF3uPyBUhRR0jcv+l76SKu3XhjLmf0XYPTi8YFwWevElMhQ46LIylOnSUNo3bQWcPNgPJ8brU3rQl+H2xH2czI+Ny7YiXFXp4\/v6AB+VtnrTV\/jwlPYNMJGYUNRWHm8d3wOAuxLgDgD4fTbYtRWamAMXLH+pi9V2gATpNjjGKziGSY7xmvoZK1QaVqg0UbUypErbw0ujZhezUmdtq97\/O+x0EUTdPMYrYwUJPZCNPCExPEplL1n\/yDjArlGqwHDvsqjnhGh6H8IUGqvTMrUPC4aQ93wuOIINpe3l5QV5TqcSR5XWxV8Led\/tlfK+y\/Wu7pbeVVDhYuxknEinO60KvHegy1kuFoQOaFo60Q5\/X\/t5uv5Sm9pZ6+7aOM+AWu+MRATSnzPHA4G91AxezVI3yCEsovBXN6BWbgwc1LQt39sbsFUUeiWHKthZGkqiYGdlKAMQGEtew1LWsJK1r3jtzUWZM0CtvrjQ5ppV2mKlyWHffBL76S\/s5UITs+T6A7uMFflXpMytM2E3Yo9GDRPLFCxQ4xWhvxV1N9Q4aT+U7XJFriA8a11RZDlwoT442R6s8uUyyVd4PHeCGatfWZtbXRtrCM9CPzMUuQaHUcaMsTriuQjhNHaSicHE7\/ksKRZfEODQPjfbKiOw2BoDlKdFm3WjXTQmrQtp1KeZkzGjNNy1vjJlmQJQQ5kJ976N0rkgFgulXSTAGpTtQZmiV9Lk3LJCt7pV+A+e65a0\/5\/ulnRpVN0SCdvd4sZ+gazC\/McQkaFmZAhDx60sZyT7q3rP2vMe2j0MPqM1KCHoCsHDI6CydFsmKIYHQ751Vg1W2oAR+ek4SrLCZGxC5HaOo1m2i7fWCngROrDwKYayg2IFcXdApiqVq0vKcptAeo7ruh2EMdT+81VovrEK6cUqJE5rrE5Yobih9Qz0Nkg8rSVGkJiHlpLOBobUU2yqfAJNpdI7dotcsnceBbNpWECCOCV7SnvWVgCjpbwH0t0b8E1rPwOaidrKnjOI5owoZmjBOatONFdsuhtRbQXvEApmFTsnCsVBzK113h+qczjPBUgS0kam+d4flF9cQGu4zR+ISwwyXtq1k0xSFZmQk6mK8BeVzlD5\/YMyk8sw6SCFisF5D\/p8vNsRCzrPrB4lbS3vrhlHWAY5Ajf4IeZHr8oqIuxhGY4D9Bd6xkh5dqHcpPbIcgUhn3aI6FCIZWkpzAkcQFFXSOrhC+qV98bxg6BKfFZNxwNMhdhT2EqjGeE+avWBZAlCfPOaSxgeBGOWAO65EFDKTt1SzbzlnbotiPqO30yEo5rMAp1p88io0E\/FPhTzA9h5t27t\/Rc85jg\/XCjU3DPrtiWnqv0A69xNjau+UM38cjIoOOqL3KO5PKUD64uN1jf0C5wxuKM3fWaBhnsD3MRjlqgySjXRj1EebUQQODKjWhiDO\/mmgsqNzCawbkaNa\/ll9TIkNjk4hCLVHf1FixyVZUSVfMpey23cv2DqomClWq\/BJfIaFkb51IM\/evOJe1OaXXggXk2IuHo1ZIhqvaNDar2EuD+m80pZ9t4P2YUDtuhRa4EPWotaa+pfW0DCdVPQCwvhaBlfo4QZKc4V6OaHk4Lqiqn7IKfuA6X0gbCN8DnfKsr9YJMMv9oVn+o9hXCR34oa3xeU+J0CG6nfrPfcx8R\/pY\/pPVq\/2hEkkpPfqx1hJXMZPZGMo6zP\/zaFUb\/cV4Es34PA3B\/qe+sbM\/WuD\/tUk22afLE1Re\/6OjkyyIsa+l\/JDkUw5VmCpzWs4PtNFAn0RGwLPxcCPxGTCBIPBYZO6AOZiK8BofW0QBacKMAXFbKmBbJqGbAyvT+tip\/yp\/unqrjfVUX+BHNx1wzZImSddDcp8mCbbO93ke1mQ3442ai8W9UwFQ7MrzRiFhdKfwocfoWuf+X3awNGvwLrfqb6\/hkjxYk1tYzjnyMy4QV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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-n2oie6q7.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n2oie6q7.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n2oie6q7.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n2oie6q7.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n2oie6q7.nxe :where(ul,ol){padding-left:20px}#nxe-n2oie6q7.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n2oie6q7.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n2oie6q7.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n2oie6q7.nxe svg{display:none}#nxe-n2oie6q7.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n2oie6q7.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2oie6q7.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=\"console\" 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 TOPIC \u00b7 insurance-protection-gaps<\/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>Topic dossier \u00b7 Insurance Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Insurance protection gaps<\/h1><p class=\"nx-tagline\">A protection gap is the part of economic loss that no insurance covers. It falls on households, firms, lenders and public budgets, and it is widest where incomes are low, hazards are rising or cover has been withdrawn. This page sets out why gaps open and persist, how uninsured loss is transmitted through the economy, how the gap is measured, and which institutions decide how it is closed or carried.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Dossier<\/strong><\/span><span class=\"nx-eyebrow\">A01 \u00b7 topic<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">Definition and scope<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">4 mechanisms<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-field\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Field<\/span><span class=\"nx-register-v\">H3 field plate<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">7<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Pipeline<\/span><span class=\"nx-register-v\">Run graph<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">7<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Decision holders<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-methods\"><span class=\"nx-register-n\">09<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 Established \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>A parametric trigger, read on the map<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Insurance protection gaps: how the\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" 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\">The short answer.<\/h2><p class=\"nx-lede\">The insurance protection gap is the part of economic loss that insurance does not cover. It falls on households, firms, lenders and public budgets, and it is widest where incomes are low, hazards are rising or insurers have withdrawn. It is measured as uninsured loss after events and modelled for future ones; public schemes, pools and parametric cover address parts of it.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" 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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">A parametric trigger, read on the map.<\/h2><p class=\"nx-lede\">How a storm crossing a trigger zone would set a payment. Real geography; synthetic storm and design terms.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"parametric-cyclone\" data-gl=\"sf:parametric-cyclone\" data-sf=\"parametric-cyclone\" data-sx-credit=\"Natural Earth (public domain) | relief: Mapzen Terrain Tiles | synthetic storm and design terms\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Mapzen Terrain Tiles relief (SRTM, GMTED2010, ETOPO1) ~ attribution as published by Mapzen ~ https:\/\/github.com\/tilezen\/joerd\/blob\/master\/docs\/attribution.md | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"compare\" aria-label=\"Interactive map: a synthetic tropical cyclone passing Jamaica, with a trigger zone coloured by modelled wind. The panel steps the storm and shows whether the illustrative trigger is met.\" 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\"><figcaption class=\"nx-fk-cap\"><span>A tropical cyclone passing Jamaica, read against two ways of triggering a payment.<\/span><span data-honesty=\"true\">Synthetic storm and design terms, not a policy or a price.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/insurance-protection-gaps\/#map\" data-nxf-title=\"Insurance Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"health\" data-variant=\"split\" 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\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Insurance protection gaps: how the risk develops.<\/h2><p class=\"nx-lede\">Underinsurance and loss transmission. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><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\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Underinsurance and non-insurance<\/h3><p class=\"nx-p nx-mt-1\">Some risks are not insured at all; others are insured for less than their value, or with exclusions and deductibles that leave most of the loss with the owner. Both widen the gap.<\/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=\"20\" height=\"12\" x=\"2\" y=\"6\" rx=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"M6 12h.01M18 12h.01\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Affordability and availability<\/h3><p class=\"nx-p nx-mt-1\">Rising risk raises premiums beyond what households can pay, and insurers may withdraw where risk is judged uninsurable. Low income, informal tenure and missing distribution keep cover out of reach.<\/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=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Loss transmission<\/h3><p class=\"nx-p nx-mt-1\">Uninsured loss depletes savings, forces asset sales and leads to loan defaults. It reaches banks through mortgage and business credit, and governments through emergency spending and contingent liabilities.<\/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\"><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\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Public and pooled responses<\/h3><p class=\"nx-p nx-mt-1\">Governments, regional risk pools, development banks and microinsurance schemes take parts of the gap through parametric cover, reinsurance backstops and social protection. Each design carries basis risk and incentive effects.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" 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\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" 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\">Natural catastrophe protection gap<\/td><td data-label=\"Definition\">Economic losses from natural hazards minus insured losses, estimated per event or as a modelled annual average.<\/td><\/tr><tr><td data-label=\"Term\">Parametric insurance<\/td><td data-label=\"Definition\">Cover that pays a pre-agreed amount when a measured index, such as wind speed or rainfall, crosses a set threshold, rather than on assessed loss.<\/td><\/tr><tr><td data-label=\"Term\">Basis risk<\/td><td data-label=\"Definition\">The mismatch between a parametric or index payout and the loss the policyholder actually suffers.<\/td><\/tr><tr><td data-label=\"Term\">Disaster risk finance<\/td><td data-label=\"Definition\">Arranging in advance the funds governments, firms and households need after a disaster, combining reserves, contingent credit, insurance and other instruments.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"climate\" 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\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Natural catastrophe protection gap<\/td><td data-label=\"Unit\">uninsured share of economic loss, percent<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Catastrophe loss records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Insured share of economic loss by event<\/td><td data-label=\"Unit\">percent<\/td><td data-label=\"Cadence\">per event<\/td><td data-label=\"Source type\">Catastrophe loss records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Household insurance take-up<\/td><td data-label=\"Unit\">percent of households with cover, by peril<\/td><td data-label=\"Cadence\">survey cycle<\/td><td data-label=\"Source type\">Household surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Premium affordability<\/td><td data-label=\"Unit\">premium as a percent of household income<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Premium and income statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Pre-arranged sovereign disaster risk finance<\/td><td data-label=\"Unit\">currency, by instrument<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Finance ministry and pool disclosures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Basis risk in parametric payouts<\/td><td data-label=\"Unit\">payout against assessed loss, ratio<\/td><td data-label=\"Cadence\">per event<\/td><td data-label=\"Source type\">Pool and programme evaluations<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Supervisory protection gap score<\/td><td data-label=\"Unit\">index<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory dashboard<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/insurance-protection-gaps\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" 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\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Insurance protection gaps as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a01-topics-insurance-protection-gaps-catm-t nx-dag-a01-topics-insurance-protection-gaps-catm-d\" data-nx-z=\"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\"><title id=\"nx-dag-a01-topics-insurance-protection-gaps-catm-t\">Insurance protection gaps: catastrophe model pipeline<\/title><desc id=\"nx-dag-a01-topics-insurance-protection-gaps-catm-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. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" 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\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">EIOPA dashboard on insurance protection gap for natural catastrophes<\/td><td data-label=\"What it gives\">Protection gap scores by country and peril in Europe<\/td><td data-label=\"Licence class\">Public, EU reuse terms<\/td><\/tr><tr><td data-label=\"Source\">Swiss Re Institute sigma resilience and protection gap reports<\/td><td data-label=\"What it gives\">Estimates of uninsured loss by region and peril<\/td><td data-label=\"Licence class\">Proprietary research, reports free to read<\/td><\/tr><tr><td data-label=\"Source\">Munich Re NatCatSERVICE<\/td><td data-label=\"What it gives\">Event records with economic and insured losses<\/td><td data-label=\"Licence class\">Proprietary; summary statistics published<\/td><\/tr><tr><td data-label=\"Source\">EM-DAT, CRED (UCLouvain)<\/td><td data-label=\"What it gives\">Disaster events with reported economic losses and people affected<\/td><td data-label=\"Licence class\">Free for non-commercial use, registration<\/td><\/tr><tr><td data-label=\"Source\">World Bank Global Findex<\/td><td data-label=\"What it gives\">Adult use of financial services, including insurance<\/td><td data-label=\"Licence class\">Creative Commons attribution<\/td><\/tr><tr><td data-label=\"Source\">Microinsurance Network Landscape of Microinsurance<\/td><td data-label=\"What it gives\">Microinsurance coverage, products and premiums in emerging markets<\/td><td data-label=\"Licence class\">Public report, terms per publisher<\/td><\/tr><tr><td data-label=\"Source\">CCRIF SPC, African Risk Capacity and Pacific Catastrophe Risk Insurance Company reports<\/td><td data-label=\"What it gives\">Policies, triggers and payouts of sovereign risk pools<\/td><td data-label=\"Licence class\">Public reports<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/insurance-protection-gaps\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" 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\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Insurance Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Finance ministries<\/td><td data-label=\"The question\">How much disaster loss to retain in the budget and how much to finance in advance or transfer<\/td><td data-label=\"Evidence this page serves\">Loss exceedance curves for public assets and contingent liabilities, with the cost and basis risk of each instrument<\/td><\/tr><tr><td data-label=\"Who decides\">Regional and national catastrophe pools<\/td><td data-label=\"The question\">Which perils, triggers and limits to offer members, and at what price<\/td><td data-label=\"Evidence this page serves\">Hazard and loss models, payout history, member exposure and basis risk analysis<\/td><\/tr><tr><td data-label=\"Who decides\">Insurance supervisors<\/td><td data-label=\"The question\">Whether a gap reflects market failure, conduct issues or rising risk, and what response fits<\/td><td data-label=\"Evidence this page serves\">Gap scores by peril and region, with take-up and affordability evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Development banks and donors<\/td><td data-label=\"The question\">Where premium support or capital for risk pools closes the gap with fair value<\/td><td data-label=\"Evidence this page serves\">Coverage and affordability evidence read against the InsuResilience pro-poor principles<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to how protection gaps are defined and why estimates differ<\/li><li>Brief on the transmission of uninsured loss to households, lenders and budgets<\/li><li>Method note on basis risk in parametric cover<\/li><li>Evidence-to-diligence checklist for public and pooled risk finance design<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" 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\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What professionals ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>How large are protection gaps for different perils and regions, and how are they measured?<\/li><li>Why do households and firms remain uninsured or underinsured?<\/li><li>How do uninsured losses affect recovery, credit and public budgets?<\/li><li>Which public, private and mixed approaches have narrowed gaps?<\/li><li>How do gaps change as climate risk rises and cover is withdrawn?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" 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\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Drivers and dynamics.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Protection gaps arise from both demand and supply. On the demand side, cover may be unaffordable, risks underestimated, products poorly understood or trust low. On the supply side, insurers may lack data, distribution channels or capital, or may judge risks uninsurable at an acceptable price. Gaps are typically widest in lower-income countries and for natural catastrophes, but significant gaps exist everywhere, including for flood, earthquake, cyber and pandemic risks.<\/p><p class=\"nx-p\">Uninsured losses transmit stress. Households draw down savings or fall into debt, firms close, lenders face defaults and governments fund relief and reconstruction, adding to fiscal pressure. Approaches to narrowing gaps include public-private pools, mandatory cover, microinsurance, parametric products and sovereign risk transfer, each with trade-offs.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"climate\" 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\">Methods and limits<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How it is studied.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Gap estimation<\/h3><p class=\"nx-p nx-mt-1\">Comparing modelled or observed economic losses with insured losses, drawing on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/extreme-value\/\">extreme value theory and tail risk<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Demand research<\/h3><p class=\"nx-p nx-mt-1\">Surveys and behavioural studies of why people do or do not buy cover.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Scheme evaluation<\/h3><p class=\"nx-p nx-mt-1\">Comparative studies of public-private and parametric approaches.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Limits<\/h3><p class=\"nx-p nx-mt-1\">Economic loss estimates are uncertain, insured loss data is incomplete in many markets, and gap measures depend on definitions.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" 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\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Actuarial mathematics<\/span><span class=\"nx-mledger-role\">Loss reserving with development triangles \u00b7 Experience rating and credibility<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/actuarial-math\/\" aria-label=\"Actuarial mathematics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/extreme-value\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Extreme value theory and tail risk<\/span><span class=\"nx-mledger-role\">Large-loss pricing for excess layers \u00b7 Tail measures for solvency capital<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/extreme-value\/\" aria-label=\"Extreme value theory and tail risk: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Frequency and severity modelling \u00b7 Bayesian updating of assumptions<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/climate-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Climate and atmospheric science<\/span><span class=\"nx-mledger-role\">Climate-conditioned hazard catalogues \u00b7 Supervisory climate stress scenarios<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/climate-science\/\" aria-label=\"Climate and atmospheric science: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Economic loss estimates are uncertain, uneven across countries and often missing for small events, so gap estimates differ widely between sources. Insured loss is better recorded than uninsured loss. A gap closed with poorly designed cover can leave the same people unprotected through basis risk or unfair exclusions. Insurance Nexus describes the gap and the design choices; it does not design programmes or advise governments.<\/p><\/aside><\/div><\/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\">Connected<\/span><\/div><h2 id=\"nx-s-14\" 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:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Related topic<\/span><span class=\"nx-dest-host\">GRA<\/span><\/span><span class=\"nx-dest-title\">Insurance and public pools<\/span><span class=\"nx-dest-why\">Insurance analysis informs public protection-gap readiness research.<\/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-15-sec\" 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\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Why do protection gap estimates differ?<\/summary><div class=\"nx-answer\">They use different loss records, perils, definitions of economic loss and treatment of public compensation. Each estimate should state its source and method, and Insurance Nexus labels them accordingly.<\/div><\/details><details><summary>What is parametric insurance?<\/summary><div class=\"nx-answer\">Cover that pays a pre-agreed amount when a measured index, such as wind speed or rainfall, crosses a trigger, without assessing each loss. It pays fast, but the payout can differ from the actual loss, which is basis risk.<\/div><\/details><details><summary>Is a protection gap always a problem?<\/summary><div class=\"nx-answer\">Not for every risk. Some losses are better retained, or covered by public spending or social protection. The concern is a gap that falls on those least able to bear it.<\/div><\/details><details><summary>Is a protection gap always a market failure?<\/summary><div class=\"nx-answer\">Not always. Some risks are better managed by reducing exposure or through public provision. Gaps signal where losses fall, not necessarily what the solution is.<\/div><\/details><details><summary>Who bears uninsured losses?<\/summary><div class=\"nx-answer\">Households, firms, lenders and, often, governments through relief and reconstruction.<\/div><\/details><details><summary>Does GRA design insurance schemes?<\/summary><div class=\"nx-answer\">No. It provides shared evidence. Scheme design is for governments, supervisors and insurers.<\/div><\/details><details><summary>Does GRA give advice on this topic?<\/summary><div class=\"nx-answer\">No. 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. Its analysis is shared, sector-level understanding.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Insurance Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/\">Insurance market structure <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\/insurance-nexus\/topics\/underwriting-and-pricing-risk\/\">Underwriting and pricing risk <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\/insurance-nexus\/topics\/property-and-casualty\/\">Property and casualty <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\/insurance-nexus\/topics\/health-and-life-insurance\/\">Health and life insurance <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\/insurance-nexus\/topics\/claims-and-operational-resilience\/\">Claims and operational resilience <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/climate-and-nature-risk\/\">Climate and nature risk <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\/insurance-nexus\/\">Insurance Nexus 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\/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-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Insurance%20Nexus%3A%20Insurance%20protection%20gaps\">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\/topics\/insurance-protection-gaps\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-protection-gaps\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Why do protection gap estimates differ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"They use different loss records, perils, definitions of economic loss and treatment of public compensation. Each estimate should state its source and method, and Insurance Nexus labels them accordingly.\"}},{\"@type\":\"Question\",\"name\":\"What is parametric insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cover that pays a pre-agreed amount when a measured index, such as wind speed or rainfall, crosses a trigger, without assessing each loss. It pays fast, but the payout can differ from the actual loss, which is basis risk.\"}},{\"@type\":\"Question\",\"name\":\"Is a protection gap always a problem?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not for every risk. Some losses are better retained, or covered by public spending or social protection. The concern is a gap that falls on those least able to bear it.\"}},{\"@type\":\"Question\",\"name\":\"Is a protection gap always a market failure?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not always. Some risks are better managed by reducing exposure or through public provision. 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