{"id":23,"date":"2026-11-01T18:12:09","date_gmt":"2026-11-01T18:12:09","guid":{"rendered":"https:\/\/globalriskalliance.com\/insurance-nexus\/?page_id=23"},"modified":"2026-11-01T18:12:09","modified_gmt":"2026-11-01T18:12:09","slug":"publications","status":"publish","type":"page","link":"https:\/\/globalriskalliance.com\/insurance-nexus\/publications\/","title":{"rendered":"Reports and sector briefs"},"content":{"rendered":"\n<!-- Nexus network page \u00b7 https:\/\/globalriskalliance.com\/insurance-nexus\/publications\/ \u00b7 source template \u00b7 generated by integrations\/wordpress\/network\/build.mjs, never edit this file --><script>window.nexusLiveStrings={\"label\":\"Load the live map\",\"note\":\"Imagery and feeds come from other services (NASA, USGS, OpenStreetMap) and load only when you ask.\"};<\/script><script>(function(){\"use strict\";var n=window,l=document,y=\"nexus.live-map\",$=\"nexus.live-map.reload\";if(n.NXLive){return}var 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aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Insurance Nexus<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Reports and sector briefs<\/h1><p class=\"nx-scene-lede\">Insurance Nexus is designed to publish three kinds of material: sector briefs on catastrophe exposure and protection gaps, method notes on exposure data and model transparency, and explainers for non-specialists. Each passes specialist review, labels every value as observed, published, modelled, estimated or unknown, and states its limits. None has been released yet.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/\">Back to Insurance Nexus<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Register<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">Reports and sector briefs on the record.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"ledger\"><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"ledger\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Insurance Nexus<\/strong><\/span><\/div><ol class=\"nx-register-rows\"><li><div><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">Fields<\/span><span class=\"nx-register-v\">Insurance and catastrophe, Climate and hazards, Health and biosecurity<\/span><\/div><\/li><li><div><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">STEM methods<\/span><span class=\"nx-register-v\">5 canonical methods applied<\/span><\/div><\/li><li><div><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Topics<\/span><span class=\"nx-register-v\">9 subject pages<\/span><\/div><\/li><li><div><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Counterparts<\/span><span class=\"nx-register-v\">13 platforms in shared fields<\/span><\/div><\/li><li><div><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Publisher<\/span><span class=\"nx-register-v\">The Global Risks Alliance<\/span><\/div><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"climate\" aria-label=\"What is published, Publication types, Review and correction\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"What is published, Publication types, Review and correction\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-what-is-published\" aria-selected=\"true\" data-key=\"p1\">What is published<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-pg-nx-gra-a01-pu-types\" aria-selected=\"false\" data-key=\"p2\">Publication types<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-pg-nx-gra-a01-pu-review\" aria-selected=\"false\" data-key=\"p3\">Review and correction<\/button><\/div><section id=\"nx-sec-what-is-published\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">What is published<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Every output shows its status.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Each publication carries its authors, date, method, evidence labels and editorial status.<\/li><li>Corrections create a new version with its history.<\/li><li>Series contributions also appear in <a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a>; see <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/reports\/\">Publish in Reports<\/a>.<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a01-pu-types\" class=\"nx-section nx-band-panel\" data-hue=\"health\" data-variant=\"band\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Publication types<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">What each type contains and what it never contains.<\/h2><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Type<\/th><th>Contains<\/th><th>Never contains<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Type\">Sector brief<\/td><td data-label=\"Contains\">Channels, public evidence, open questions for carriers, pools and supervisors<\/td><td data-label=\"Never contains\">A view on any insurer&#8217;s solvency, pricing or prospects<\/td><\/tr><tr><td data-label=\"Type\">Method note<\/td><td data-label=\"Contains\">A technique, its assumptions, a worked example with synthetic values, validation checks<\/td><td data-label=\"Never contains\">A recommended model or provider<\/td><\/tr><tr><td data-label=\"Type\">Explainer<\/td><td data-label=\"Contains\">Plain-language account of a concept such as <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 average-annual-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The long-run expected loss per year, averaged over all possible events; it equals the area under the loss exceedance curve.\" data-ts=\"NRS-C1\" data-tr=\"draft\">average annual loss<\/a> or <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 basis-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The mismatch between a trigger or index payout and the loss actually suffered, so that payment may come without loss or loss without payment.\" data-ts=\"NRS-C1\" data-tr=\"draft\">basis risk<\/a><\/td><td data-label=\"Never contains\">Advice to buy, sell or cancel any cover<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a01-pu-review\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Review and correction<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">The errors review is designed to catch.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Review looks first for a modelled loss presented as reported, an insured figure mixed with an economic one, and a <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 return-period\" data-tk=\"Nexus risk vocabulary\" data-td=\"The average interval between events that reach or exceed a given intensity, equal to the inverse of the annual exceedance probability. It describes long-run frequency, not a schedule.\" data-ts=\"NRS-C1\" data-tr=\"draft\">return period<\/a> read as a forecast date. Corrections are published as new versions at <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/trust\/corrections\/\">corrections and concerns<\/a>. Longer analysis appears in the <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/series\/finance-insurance-readiness\/\">Finance and Insurance Readiness series<\/a> of Reports.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"climate\" aria-label=\"Series, Sources, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Series, Sources, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-series\" aria-selected=\"true\" data-key=\"p1\">Series<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-pg-sources\" aria-selected=\"false\" data-key=\"p2\">Sources<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-s-7-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><section id=\"nx-sec-series\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"band\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Series<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Report series this field contributes to.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/series\/finance-insurance-readiness\/\"><span>Finance and Insurance Readiness<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/series\/global-sector\/\"><span>Global Sector Risk and Resilience<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section nx-band-panel\" data-hue=\"health\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Where this page&#8217;s references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/www.iais.org\/activities-topics\/financial-stability\/gimar\/\"><span>IAIS Global Insurance Market Report (GIMAR)<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/oasislmf.org\/\"><span>Oasis Loss Modelling Framework (open-source catastrophe modelling)<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/standards\/ns-2\/\"><span>Nexus Standards NS-2: citation and attribution format for UNIs<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-7-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>How do I cite a publication?<\/summary><div class=\"nx-answer\">Each publication shows its citation and permanent address.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\">Reports is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Insurance Nexus<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><span class=\"nx-chip\">Global Sector Risk and Resilience<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/insurance-nexus\/publications#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-balriskalliance-com-insurance-nexus-publications-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-balriskalliance-com-insurance-nexus-publications-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-balriskalliance-com-insurance-nexus-publications-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports#how-nexus-reports-works\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Reports<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/insurance-reinsurance\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Insurance, reinsurance and protection gaps<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-8\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-8\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. 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They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n<!-- nx-rev:6705fb1f8c50f571 -->\n<!-- nx-shared:f9b83b449508 -->\n<!-- nx-path:\/publications\/ -->","protected":false},"excerpt":{"rendered":"<p>Insurance Nexus is designed to publish three kinds of material: sector briefs on catastrophe exposure and protection gaps, method notes on exposure data and model transparency, and explainers for non-specialists. 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