Recalibrating the Role of Insurance in Resilience

The document examines the evolving role of the insurance sector from merely absorbing financial losses to actively supporting the adoption of resilience solutions. It contends that there is a gap between public expectations and the operational constraints of insurance markets, suggesting that a recalibration of these roles is necessary to achieve practical resilience outcomes.

• The report asserts that the expectations held by civil society regarding the ability of insurers to drive climate resilience are currently disconnected from the actual functioning of insurance markets.
• While the insurance sector has historically focused on protecting against risk and absorbing losses, there is an increasing emphasis on using insurers to support investment in resilience solutions to actively reduce risk.

APA

RMI (2026). Recalibrating the Role of Insurance in Resilience. https://rmi.org/resources/recalibrating-the-role-of-insurance-in-resilience/

Chicago

RMI. Recalibrating the Role of Insurance in Resilience. 2026. https://rmi.org/resources/recalibrating-the-role-of-insurance-in-resilience/.

Wikipedia

{{cite report |author=RMI |title=Recalibrating the Role of Insurance in Resilience |date=24 June 2026 |url=https://rmi.org/resources/recalibrating-the-role-of-insurance-in-resilience/ |access-date=17 August 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{rmi2026recalibrating, author = {{RMI}}, title = {{Recalibrating the Role of Insurance in Resilience}}, institution = {RMI}, year = {2026}, month = jun, url = {https://rmi.org/resources/recalibrating-the-role-of-insurance-in-resilience/}, urldate = {2026-08-17}, note = {Indexed by Climate Insights Directory} }