Use case · Insurance renewal & climate risk
“Provide evidence of resilience measures at the insured location.”
When climate risk appears in a commercial insurance renewal, the question is rarely just about the hazard. The insurer or broker may need evidence of what affects the site, what the business has already done, and what further resilience measures are planned. This page explains how we structure that response.
Three questions behind the request
01
02
03
Which physical climate hazards matter at this location?
Start with the site rather than a national risk map. Screen the relevant hazards at the location and document the evidence, assumptions and limitations.
What resilience measures are already in place?
Document existing physical, operational and management measures clearly enough that an external reviewer can understand what they do and which risks they address.
What will the business do next?
Set out a short prioritized list of feasible actions, with timing where appropriate. Keep commitments specific enough to be useful and bounded enough to remain deliverable.
what we produce
One page. Three audiences. One analysis behind it.
The insurance-facing summary is backed by the underlying climate-risk work. The same evidence base can then be reframed for a lender or buyer where their questions overlap, without pretending that all 3 audiences require the same answer.
Working back from the renewal date
Start early enough to understand the request, gather site information, assess the appropriate depth of work and leave time for broker or insurer follow-up. The actual renewal timetable varies by business, broker and insurance market, so we scope the work against your real deadline rather than relying on a universal rule.
Fast hazard picture
Snapshot
One Munich Re hazard report per location, interpreted in one session. From $S.
One site, first look
Foundational
Screening, actions, one page you can send. From $A.
More sites, or you want it settled properly
Comprehensive
The full method, standards-structured, independently reviewed. From $C.
Frequently asked questions
What does “evidence of resilience measures” mean?
It generally means documented information showing what the business has done to reduce or manage relevant risks at the insured location. The appropriate evidence depends on the wording of the request, the site and the insurance context.
Do we need a full climate risk assessment for insurance renewal?
Not always. A focused screening may be sufficient where the request is narrow and one location is involved. A fuller assessment may be justified when several sites, material exposures or more demanding evidence requirements are involved.
Can climate-risk work guarantee insurance renewal or better terms?
No. Climate-risk analysis and resilience evidence can support a more informed renewal conversation, but underwriting decisions, coverage and pricing remain with the insurer and relevant market participants.
Can the same work support our lender or customers?
Often, parts of the same evidence base can be reused because insurers, lenders and buyers may all be interested in physical climate exposure and management response. The presentation should still be tailored to the question each audience is asking.
Forward us the climate-risk wording in your renewal.
We will look at what has been requested, the sites involved and the deadline, and tell you what level of response appears proportionate.