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Enabling insurability in commercial property markets

Marsh Risk’s Insurance Enabler Framework

Insurance’s core function – spreading losses to keep risks manageable – is coming under strain due to extreme weather.

When extreme weather events become more frequent and severe, and buildings continue to be built in high-risk areas, the risk simply becomes too expensive to transfer.

Businesses and investors are increasingly worried about how worsening weather will affect their insurance cover and what that means for the long-term value of their assets.

This report uses Marsh Risk’s Insurance Enabler Framework to unpack these ‘insurability’ concerns. The framework and diagnostic guide identify the property insurance pricing drivers that insureds can influence, shifting the response from reactive to proactive.

Read this report to:

  • Understand insurance pricing drivers
  • Prioritize drivers for further attention using a ‘RAG’ system
  • Implement enablers in coordination with actors

Visible signals like the impacts on insurance affordability and availability highlight the invisible increase in the underlying risk that needs to be managed.

Learn more about our Insurance Enabler Framework and the rising cost of risk.

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