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Inclusive Insurance: A U.S. Roadmap for Climate-Related Disasters

Over the past year, the U.S. has experienced how climate-driven disasters threaten lives and livelihoods, from devastating hurricanes in Florida and Puerto Rico to catastrophic flooding in California. These types of acute climate shocks cause disproportionate harm to people with lower-income and people of color, driven by historical disinvestment, less resilient building stock, and less access to financial resources.

Insurance is one important tool for financial protection from the economic shocks of disasters. However, many people most in need of economic resources for recovery face a disaster insurance system that is inaccessible, unaffordable, and not designed for their needs. A new report by Ceres offers a roadmap for how local, state, and federal regulators and policymakers can improve the disaster insurance system to make it more inclusive.

We will hear from public and private sector experts about the state of disaster recovery in the U.S. and the role insurance plays in financial protection, discuss where our current insurance system falls short in protecting those households most harmed by climate-driven disasters, and explore the opportunities for change within our current regulatory, legal, and market structures.

During this webinar, participants will:
- Understand the state of the disaster insurance gap in the U.S. and who is affected.
- Explore different perspectives on the drivers of disaster insurance gaps.
- Understand what role federal, state, and private sector leaders can play given the U.S. insurance regulatory structure.
- Gather insights into promising policy and regulatory actions at both the federal and state level.

Featuring:
Introductory comments from Commissioner Andrew Mais, Connecticut Insurance Dept.
Steven Rothstein, Ceres as Moderator
Carolyn Kousky, EDF
Yommy Chiu, Swiss Re
Reese May, SBP
Daniel Schwarcz, UMN School of Law

Feb 22, 2023 01:00 PM in Eastern Time (US and Canada)