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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2iuq4rb.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=\"ledger\" 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\">System<\/button><\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr><\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Insurance Nexus<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Insurance Nexus \u00b7 Topics<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Topics<\/h1><p class=\"nx-tagline\">Topics at Insurance Nexus: the pages in this section are listed below, each with its own scope and status.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/\">Open Insurance market structure <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><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><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Insurance market structure<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/underwriting-and-pricing-risk\/\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Underwriting and pricing risk<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/property-and-casualty\/\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Property and casualty<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/health-and-life-insurance\/\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Health and life insurance<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/claims-and-operational-resilience\/\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Claims and operational resilience<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-protection-gaps\/\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Insurance protection gaps<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/climate-and-nature-risk\/\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Climate and nature risk<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Topic<\/span><span class=\"nx-register-v\">Insurtech and AI<\/span><\/a><\/li><\/ol><\/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-about-this-section\"><span>01<\/span>About this section<\/a><a href=\"#nx-sec-pg-nx-gra-a01-tp\"><span>02<\/span>Topic map<\/a><a href=\"#nx-sec-pg-sources\"><span>03<\/span>Sources<\/a><a href=\"#nx-s-5-sec\"><span>04<\/span>Pages<\/a><a href=\"#nx-sec-nr-gateway\"><span>05<\/span>Contribute<\/a><\/div><\/nav> <section id=\"nx-sec-about-this-section\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" 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\">About this section<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Topics at Insurance Nexus.<\/h2><p class=\"nx-lede\">The Global Risks Alliance (GRA) is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/p><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a01-tp\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"stack\" 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\">Topic map<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Insurance Nexus topics, and the question each answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"2\" aria-label=\"Topic\"><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/\"><span class=\"nx-dir-name\">Insurance market structure explained<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Insurance moves risk from those who cannot carry it to those who can pool or hold it.<\/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\/topics\/underwriting-and-pricing-risk\/\"><span class=\"nx-dir-name\">Underwriting and pricing risk in insurance<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Underwriting decides which risks an insurer accepts and on what terms; pricing sets the premium that should cover expected losses, expenses, the cost of capital 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\/topics\/property-and-casualty\/\"><span class=\"nx-dir-name\">Property and casualty catastrophe exposure<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Property and casualty insurance covers damage to physical assets and liability to others.<\/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\/topics\/health-and-life-insurance\/\"><span class=\"nx-dir-name\">Health and life insurance risk: longevity<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Health and life insurance carry the risks of illness, disability, death and living longer than savings last.<\/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\/topics\/claims-and-operational-resilience\/\"><span class=\"nx-dir-name\">Claims handling and operational resilience<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">A claim is the moment an insurance promise is tested.<\/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\/topics\/insurance-protection-gaps\/\"><span class=\"nx-dir-name\">Insurance protection gap: causes and costs<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">A protection gap is the part of economic loss that no insurance covers.<\/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\/topics\/climate-and-nature-risk\/\"><span class=\"nx-dir-name\">Climate and nature risk in insurance<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Climate change shifts the frequency, intensity and location of the hazards insurers cover, and nature loss removes buffers such as wetlands, mangroves and forests that once reduced damage.<\/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\/topics\/insurtech-and-ai\/\"><span class=\"nx-dir-name\">AI in insurance: insurtech and model risk<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Data, automation and machine learning now reach every step of insurance: distribution, underwriting, pricing, claims and fraud detection.<\/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\/topics\/takaful-risk\/\"><span class=\"nx-dir-name\">Takaful risk and governance explained<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">The question<\/span><span class=\"nx-dir-v\">Takaful is insurance organised on principles of mutual assistance consistent with Islamic commercial law.<\/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\">Topic pages in Insurance Nexus share one structure: mechanisms, indicators, sources, methods, decisions and limits, written for underwriters and portfolio managers and catastrophe and pricing actuaries.<\/p><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section\" data-hue=\"health\" data-variant=\"stack\" 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\">Sources<\/span><\/div><h2 id=\"nx-s-4\" 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-5-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Pages in Topics.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Insurance market structure<\/h3><p class=\"nx-p nx-mt-1\">Carriers, brokers and risk transfer roles.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/underwriting-and-pricing-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Underwriting and pricing risk<\/h3><p class=\"nx-p nx-mt-1\">Risk factors, data limits and role boundaries.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/property-and-casualty\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Property and casualty<\/h3><p class=\"nx-p nx-mt-1\">Catastrophe and portfolio exposure.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/health-and-life-insurance\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Health and life insurance<\/h3><p class=\"nx-p nx-mt-1\">Social, health and longevity risk.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/claims-and-operational-resilience\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Claims and operational resilience<\/h3><p class=\"nx-p nx-mt-1\">Continuity, fraud and claims systems.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-protection-gaps\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Insurance protection gaps<\/h3><p class=\"nx-p nx-mt-1\">Underinsurance and loss transmission.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/climate-and-nature-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Climate and nature risk<\/h3><p class=\"nx-p nx-mt-1\">Physical exposure and insurability.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Insurtech and AI<\/h3><p class=\"nx-p nx-mt-1\">AI model governance and customer effects.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/takaful-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Takaful risk<\/h3><p class=\"nx-p nx-mt-1\">Takaful insurance research, governance and risk distinctions.<\/p><\/a><\/div><\/div><\/div><\/section><section id=\"nx-sec-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\/topics#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-topics-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-globalriskalliance-com-insurance-nexus-topics-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-globalriskalliance-com-insurance-nexus-topics-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/governance-in-operation\/decision-rights#the-nexus-standards-decision-rights\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Decision rights<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-6\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-6\" 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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