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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-ntkvstg1.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Insurance Nexus<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Professional research<\/h1><p class=\"nx-scene-lede\">Insurance Nexus research asks where <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 insured-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The part of economic loss that is covered by insurance.\" data-ts=\"NRS-C1\" data-tr=\"draft\">insured loss<\/a> ends and uninsured loss begins, why that boundary moves, and what it means for households, lenders and public budgets. The agenda is precompetitive: shared methods, public data and sector-level evidence that any carrier, supervisor or ministry can test, never an institution&#8217;s own pricing or underwriting analysis.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/research\/methods\/\">Open Analysis and uncertainty <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\">Workspace<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The workspace for professional research.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"split\"><div><div class=\"nx-window\"><div class=\"nx-window-bar\" aria-hidden=\"true\"><span class=\"nx-window-dots\"><span><\/span><span><\/span><span><\/span><\/span><span><strong>GRA<\/strong> \u00b7 Insurance Nexus \u00b7 Evidence register<\/span><span class=\"nx-window-note\">Illustrative<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-insurance-evidence-register\" data-cx=\"insurance.evidence-register\" data-variant=\"hero\" aria-label=\"Evidence register: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Evidence register<\/h3><p class=\"nx-fk-sub\">Insurance \u00b7 Professional research \u00b7 Example interface, not a record<\/p><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Register current<\/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\">Indicators<\/h4><p class=\"nx-fk-panel-sub\">unit \u00b7 cadence \u00b7 label<\/p><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-insurance-evidence-register-t0\"><table class=\"nx-fk-table\" data-fk-table=\"cx-insurance-evidence-register-t0\" aria-label=\"Indicators\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Indicator<\/button><\/th><th scope=\"col\" data-col=\"c1\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Unit<\/button><\/th><th scope=\"col\" data-col=\"c2\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Cadence<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Label<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Passport<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-insurance-evidence-register:r0-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Combined ratio<\/td><td data-sv=\"0\"> of net earned premium<\/td><td>quarterly<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>REPORTED<\/span><\/td><td>SP-8274<\/td><\/tr><tr data-fk-key=\"cx-insurance-evidence-register:r0-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Solvency ratio<\/td><td data-sv=\"0\"> of requirement<\/td><td>quarterly<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>REPORTED<\/span><\/td><td>SP-5072<\/td><\/tr><tr data-fk-key=\"cx-insurance-evidence-register:r0-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Protection gap<\/td><td data-sv=\"0\"> of economic loss uninsured<\/td><td>annual<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>ESTIMATED<\/span><\/td><td>SP-2791<\/td><\/tr><tr data-fk-key=\"cx-insurance-evidence-register:r0-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Claims settled in 30 days<\/td><td data-sv=\"0\"> of claims<\/td><td>monthly<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>OBSERVED<\/span><\/td><td>SP-5551<\/td><\/tr><tr data-fk-key=\"cx-insurance-evidence-register:r0-4\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Cat exposure, 1-in-200 net<\/td><td data-sv=\"0\"> of own funds<\/td><td>annual<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>MODELLED<\/span><\/td><td>SP-7656<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"kv\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Source passport<\/h4><\/div><\/div><dl class=\"nx-fk-dl\"><div><dt>Source<\/dt><dd>Policy administration extract<\/dd><\/div><div><dt>Licence<\/dt><dd>open \u00b7 attribution<\/dd><\/div><div><dt>Steward<\/dt><dd>Claims director<\/dd><\/div><div><dt>Coverage<\/dt><dd>81 pct of places<\/dd><\/div><div><dt>Known limits<\/dt><dd>sparse in uplands<\/dd><\/div><\/dl><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Coverage by place<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 520 210\" width=\"520\" height=\"210\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Coverage by place\" data-fk-chart=\"cx-insurance-evidence-register-c2\" 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>Evidence register.<\/span><span data-honesty=\"true\">Illustrative interface; not live data.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Insurance Nexus \u00b7 Evidence register.<\/strong> <span>Evidence register: example names and illustrative values, not a record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"climate\" aria-label=\"Questions, Research agenda, How findings travel, Evidence\"><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=\"Questions, Research agenda, How findings travel, Evidence\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-questions\" aria-selected=\"true\" data-key=\"p1\">Questions<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-pg-nx-gra-a01-rs-agenda\" aria-selected=\"false\" data-key=\"p2\">Research agenda<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-pg-nx-gra-a01-rs-use\" aria-selected=\"false\" data-key=\"p3\">How findings travel<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-evidence\" aria-selected=\"false\" data-key=\"p4\">Evidence<\/button><\/div><section id=\"nx-sec-questions\" 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\">Questions<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What the research asks.<\/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\">Insurance market structure<\/h3><p class=\"nx-p nx-mt-1\">Carriers, brokers and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-transfer\" data-tk=\"Nexus risk vocabulary\" data-td=\"Shifting the financial consequences of a risk from one party to another, typically through insurance, reinsurance, bonds or contracts, without reducing the hazard itself.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk transfer<\/a> roles.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Underwriting and pricing risk<\/h3><p class=\"nx-p nx-mt-1\">Risk factors, data limits and role boundaries.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Property and casualty<\/h3><p class=\"nx-p nx-mt-1\">Catastrophe and portfolio exposure.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Health and life insurance<\/h3><p class=\"nx-p nx-mt-1\">Social, health and longevity risk.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">05<\/span><div><h3 class=\"nx-h4\">Claims and operational resilience<\/h3><p class=\"nx-p nx-mt-1\">Continuity, fraud and claims <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">06<\/span><div><h3 class=\"nx-h4\">Insurance protection gaps<\/h3><p class=\"nx-p nx-mt-1\">Underinsurance and loss transmission.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a01-rs-agenda\" class=\"nx-section nx-band-panel\" data-hue=\"health\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Research agenda<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Five questions, with the method and the limit of each.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Question<\/th><th>Method<\/th><th>Main limit<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Question\">How large is the <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 protection-gap\" data-tk=\"Nexus risk vocabulary\" data-td=\"The difference between total economic losses from hazards and the share covered by insurance or other pre-arranged protection, leaving households, firms and governments to absorb the rest.\" data-ts=\"NRS-C1\" data-tr=\"draft\">protection gap<\/a> for a peril and country, and how reliable is the estimate?<\/td><td data-label=\"Method\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 economic-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The monetary value of destroyed assets and lost flows of output and income resulting from an event.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Economic loss<\/a> from event records and models compared with <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 insured-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The part of economic loss that is covered by insurance.\" data-ts=\"NRS-C1\" data-tr=\"draft\">insured loss<\/a> from market statistics<\/td><td data-label=\"Main limit\">Economic loss is often modelled, and insured loss by event is rarely public at fine resolution<\/td><\/tr><tr><td data-label=\"Question\">How much do catastrophe models disagree, and why?<\/td><td data-label=\"Method\">Side-by-side event sets and vulnerability curves on one exposure set, using open frameworks<\/td><td data-label=\"Main limit\">Proprietary models cannot be compared module by module<\/td><\/tr><tr><td data-label=\"Question\">When does cover withdrawal reach credit?<\/td><td data-label=\"Method\">Joins between insured exposure, hazard and mortgage collateral at parcel or grid level<\/td><td data-label=\"Main limit\">Address-level policy data is confidential; work is done on aggregates<\/td><\/tr><tr><td data-label=\"Question\">How does warming bias historical burning cost?<\/td><td data-label=\"Method\">Trend-adjusted hazard views beside observed loss history<\/td><td data-label=\"Main limit\">Attribution of loss trends to hazard, exposure or vulnerability is contested<\/td><\/tr><tr><td data-label=\"Question\">Where does parametric cover leave <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=\"Method\">Replay of past events against trigger designs and reported losses<\/td><td data-label=\"Main limit\">Reported losses are incomplete in many countries<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a01-rs-use\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" 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\">How findings travel<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">From a research note to a decision someone else takes.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">A finding is published with one evidence label per value, the source owner and its limits, and is reviewed by a specialist who did not produce it. Supervisors, public pools and carriers may read it; none is asked to act on it. Protection-gap work connects with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/research\/insurance-protection\/\">GRA catastrophe and protection-gap research<\/a> and with the Global Centre for Risk and Innovation (GCRI) Disaster Resilience for the hazard and loss science. Model results are illustrative and are never forecasts of any market outcome.<\/p><\/div><\/div><\/section><section id=\"nx-sec-evidence\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Evidence<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Every result keeps its label.<\/h2><p class=\"nx-lede\">Results are labelled as observed, published statistics, estimated, modelled, forecast, scenario or expert judgement. Missing data is shown as missing, never filled silently.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Methods<\/span><h3 class=\"nx-h4 nx-mt-2\">Methods and uncertainty<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/research\/methods\/\">How results are produced and where they stop<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Sources<\/span><h3 class=\"nx-h4 nx-mt-2\">Source and data register<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/research\/sources\/\">Where data comes from and on what terms<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Publications<\/span><h3 class=\"nx-h4 nx-mt-2\">Reviewed outputs<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/publications\/\">Citable work with its editorial status<\/a><\/p><\/div><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"health\" aria-label=\"Sources, Pages, 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=\"Sources, Pages, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-pg-sources\" aria-selected=\"true\" data-key=\"p1\">Sources<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-s-7-sec\" aria-selected=\"false\" data-key=\"p2\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-s-8-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><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-1\"><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:\/\/www.emdat.be\/\"><span>EM-DAT international disaster database (CRED)<\/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:\/\/www.ipcc.ch\/assessment-report\/ar6\/\"><span>IPCC AR6 Working Group I and II assessments<\/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-2\"><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\">Pages<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Pages in Professional research.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/research\/methods\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Analysis and uncertainty<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/research\/sources\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial source and licence register<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-8-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-8\" 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\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions and answers<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Can I propose a research question?<\/summary><div class=\"nx-answer\">Yes. Write to <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/contact\/\">the contact form<\/a> with the question, the context and who would use the answer. A proposal receives a reference; it does not commit the platform to the work.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> 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\/research#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-globalriskalliance-com-insurance-nexus-research-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-globalriskalliance-com-insurance-nexus-research-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-globalriskalliance-com-insurance-nexus-research-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/model\/sectors\/health#what-health-gives\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Health<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-9\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-9\" 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:bede51bad1fa37e3 -->\n<!-- nx-shared:a3b782109c6d -->\n<!-- nx-path:\/research\/ -->","protected":false},"excerpt":{"rendered":"<p>Insurance Nexus research asks where insured loss ends and uninsured loss begins, why that boundary moves, and what it means for households, lenders and public budgets. 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