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Changing Climates in North American PoliticsInstitutions, Policymaking, and Multilevel Governance$
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Henrik Selin and Stacy D. VanDeveer

Print publication date: 2009

Print ISBN-13: 9780262012997

Published to MIT Press Scholarship Online: August 2013

DOI: 10.7551/mitpress/9780262012997.001.0001

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Insurance and Reinsurance in a Changing Climate

Insurance and Reinsurance in a Changing Climate

Chapter:
(p.241) 12 Insurance and Reinsurance in a Changing Climate
Source:
Changing Climates in North American Politics
Author(s):

Virginia Haufler

Publisher:
The MIT Press
DOI:10.7551/mitpress/9780262012997.003.0012

This chapter examines how the insurance industry is responding to climate change risks today, and suggests how insurance companies may react in the future. It also discusses the changing impacts of natural disasters in the insurance sector, and the reaction of the North American insurance industry, and then goes to explore the decentralized nature of national regulatory institutions and the integrated nature of the insurance market itself. The chapter argues that major reinsurers play a large part in transmitting information about the influences of climate change and about appropriate standards for insurance contracts. Direct insurers, reinsurers, and national regulators all interact with customers and activists in a multilayered system that affects reactions to climate change.

Keywords:   insurance industry, climate change, insurance market

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