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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nd1yu4xq.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\">STEM foundation of Insurance Nexus<\/h1><p class=\"nx-scene-lede\">The science, technology, engineering and mathematics Insurance Nexus rests on. Each method has a canonical page in the STEM Commons, hosted by the Global Centre for Risk and Innovation (GCRI), and a page here on how it is applied in this field.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\">Open Actuarial mathematics in insurance <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\">Contents<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">STEM foundation of Insurance Nexus in four parts.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"editorial\"><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"contents\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>In this dossier<\/strong><\/span><span class=\"nx-eyebrow\">4 parts<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-methods\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\">The methods behind the field<\/span><\/a><\/li><li><a href=\"#nx-sec-pg-nx-gra-a01-st\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\">The STEM methods Insurance Nexus applies, and why<\/span><\/a><\/li><li><a href=\"#nx-sec-why-it-matters\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Why it matters<\/span><span class=\"nx-register-v\">Grounding makes claims checkable<\/span><\/a><\/li><li><a href=\"#nx-sec-pg-sources\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\">Where this page&#8217;s references lead<\/span><\/a><\/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=\"Methods, Methods, Why it matters\"><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=\"Methods, Methods, Why it matters\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-methods\" aria-selected=\"true\" data-key=\"p1\">Methods<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-pg-nx-gra-a01-st\" aria-selected=\"false\" data-key=\"p2\">Methods<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-why-it-matters\" aria-selected=\"false\" data-key=\"p3\">Why it matters<\/button><\/div><section id=\"nx-sec-methods\" 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\">Methods<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The methods behind the field.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\"><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 class=\"nx-mledger-meta\">Steward \u00b7 Actuarial and Quantitative Risk<\/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\"><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=\"Canonical \u00b7 STEM Commons: Actuarial mathematics\">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 class=\"nx-mledger-meta\">Steward \u00b7 Reinsurance and Catastrophe<\/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\"><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=\"Canonical \u00b7 STEM Commons: Extreme value theory and tail risk\">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 class=\"nx-mledger-meta\">Steward \u00b7 Systems Science and Modelling<\/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\"><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=\"Canonical \u00b7 STEM Commons: Probability and statistics\">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 class=\"nx-mledger-meta\">Steward \u00b7 Climate and Hazards<\/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\"><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=\"Canonical \u00b7 STEM Commons: Climate and atmospheric science\">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\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">05<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Exposure enrichment from imagery \u00b7 Fraud and claims triage \u00b7 Fairness testing of pricing models<\/span><span class=\"nx-mledger-meta\">Steward \u00b7 Artificial Intelligence and Autonomous Systems<\/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\"><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\/technology\/ai-ml\/\" aria-label=\"Canonical \u00b7 STEM Commons: Artificial intelligence and machine learning\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a01-st\" class=\"nx-section nx-band-panel\" data-hue=\"health\" data-variant=\"split\" 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\">The STEM methods Insurance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">The STEM methods Insurance Nexus applies, and why.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"2\" aria-label=\"Method\"><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\"><span class=\"nx-dir-name\">Actuarial mathematics in insurance<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Role in Insurance Nexus<\/span><span class=\"nx-dir-v\">Actuarial mathematics is the core discipline of insurance: it turns claims experience, exposure and assumptions into premiums, reserves and capital.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/extreme-value\/\"><span class=\"nx-dir-name\">Extreme value theory for insurance tails<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Role in Insurance Nexus<\/span><span class=\"nx-dir-v\">Extreme value theory gives the tail of the loss distribution its shape: how large a rare event loss may be, how losses accumulate in a bad year, and how uncertain those estimates become beyond the record.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\"><span class=\"nx-dir-name\">Insurance statistics and claims modelling<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Role in Insurance Nexus<\/span><span class=\"nx-dir-v\">Probability and statistics provide the language of insurance: frequency and severity, dependence, credibility and uncertainty.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/climate-science\/\"><span class=\"nx-dir-name\">Climate science for insurance hazard<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Role in Insurance Nexus<\/span><span class=\"nx-dir-v\">Climate and atmospheric science explains how the hazards that drive insured loss are changing: storms, floods, heat, drought, wildfire and sea level.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/ai-ml\/\"><span class=\"nx-dir-name\">Machine learning in insurance<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Role in Insurance Nexus<\/span><span class=\"nx-dir-v\">Artificial intelligence and machine learning are used in insurance to read images and documents, detect fraud, triage claims, enrich exposure data and segment risk.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><p class=\"nx-p\">Each Insurance Nexus method is described once in the STEM Commons at GCRI and applied here to insured and uninsured loss, insurability and the capital view of catastrophe risk.<\/p><\/div><\/div><\/section><section id=\"nx-sec-why-it-matters\" 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\">Why it matters<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Grounding makes claims checkable.<\/h2><p class=\"nx-lede\">When a finding names the methods it depends on, a reader can see its assumptions and limits, and an expert in that method can challenge it.<\/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=\"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-6-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-7-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><section id=\"nx-sec-pg-sources\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"split\" 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\">Sources<\/span><\/div><h2 id=\"nx-s-5\" 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\/standard-setting\/icps-and-comframe\/\"><span>IAIS Insurance Core Principles and ComFrame, including the Insurance Capital Standard (adopted December 2024)<\/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:\/\/eur-lex.europa.eu\/eli\/dir\/2009\/138\/oj\"><span>Solvency II Directive 2009\/138\/EC as amended by the 2025 review (apply from 30 January 2027)<\/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.ifrs.org\/issued-standards\/list-of-standards\/ifrs-17-insurance-contracts\/\"><span>IFRS 17 Insurance Contracts<\/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-6-sec\" 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\">Pages<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Pages in STEM foundation of Insurance Nexus.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\"><span class=\"nx-eyebrow\">Method<\/span><h3 class=\"nx-h4 nx-mt-2\">Actuarial mathematics in insurance<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/extreme-value\/\"><span class=\"nx-eyebrow\">Method<\/span><h3 class=\"nx-h4 nx-mt-2\">Extreme value theory for insurance tails<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\"><span class=\"nx-eyebrow\">Method<\/span><h3 class=\"nx-h4 nx-mt-2\">Probability and statistics in insurance<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/climate-science\/\"><span class=\"nx-eyebrow\">Method<\/span><h3 class=\"nx-h4 nx-mt-2\">Climate science for insurance hazard<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/ai-ml\/\"><span class=\"nx-eyebrow\">Method<\/span><h3 class=\"nx-h4 nx-mt-2\">Machine learning in insurance<\/h3><\/a><\/div><\/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>What is a steward platform?<\/summary><div class=\"nx-answer\">The platform that maintains the canonical description of a method and reviews how it is applied across the Consortium.<\/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\"><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\/stem#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-stem-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-globalriskalliance-com-insurance-nexus-stem-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-globalriskalliance-com-insurance-nexus-stem-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/institutions\/gcri#gcri-canada-and-gcri-us\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Gcri<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. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/readiness-request\/\">Propose a readiness pilot <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-9\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-9\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n<!-- nx-rev:00d66b6330e932e4 -->\n<!-- nx-shared:da3dd39f554d -->\n<!-- nx-path:\/stem\/ -->","protected":false},"excerpt":{"rendered":"<p>The science, technology, engineering and mathematics Insurance Nexus rests on. Each method has a canonical page in the STEM Commons, hosted by the Global Centre for Risk and Innovation (GCRI), and a page here on how it is applied in\u2026<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":806,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_buddyx_sub_header_visibility":"","_buddyx_sub_header_title_visibility":"","_hide_show_side_panel":"","_buddyxpro_page_sidebar":"","_buddyxpro_page_disable_header":"","_buddyxpro_page_disable_footer":"","_buddyxpro_page_content_width":"","_buddyxpro_page_header_style":"","_buddyxpro_page_color_mode":"","_buddyxpro_page_loader":"","_nx_seo_description":"","_nx_seo_title":"","_nx_seo_image":"","_nx_seo_jsonld":"","_nx_i18n_locale":"","_nx_i18n_group":"","nexus_page_kind":"","footnotes":"","_nx_seo_image_alt":"","_nx_seo_canonical":"","_nx_seo_robots":"","_nx_seo_schema_type":""},"class_list":["post-28","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/28","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/comments?post=28"}],"version-history":[{"count":1,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/28\/revisions"}],"predecessor-version":[{"id":75,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/28\/revisions\/75"}],"wp:attachment":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/media?parent=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}