The Climate Risk Gap

Climate risk is financially material, but still hard to use in real decisions

Decision-makers across insurance and investment face growing climate uncertainty driving financial risk exposure, yet often lack decision-grade insight where it matters most.

The Problem

Climate related risks increasingly affect asset value, risk exposure, and long-term performance. As a result, they are now widely acknowledge as financially material.

Yet in practice, climate risk is often difficult to integrate into core decisions: pricing and underwriting risk for insurers or allocating and prioritising capital for asset owners and investors.

Data is often high-level, fragmented, and disconnected from existing processes, resulting in parallel assessments, manual workarounds, and ultimately missed opportunities.

Why now?

With more frequent extreme weather events and growing pressure on margins and returns, the gap between recognising climate risk and what it means for businesses and acting on it is becoming harder to manager.

Our purpose

We are exploring this challenge to better understand how climate risk is currently handled in real-world decision making:

What information and tools are actually used
Where current approaches and processes fail
What decision-makers feel is missing

This work is exploratory and learning-driven.

Get involved

We are speaking with a small number of professionals working in insurance and asset management/investment to pressure test these questions and learn form their practical experience.

If this challenge resonates with you, we’d value your perspective.

Latest Insights

Test number 2

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Max Girkins

13 hours ago

This is a test

Tara Dunn

13 hours ago

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