From support to strategy: insurance in business sustainability in the face of weather losses
Maricio Masfherer*
In the growing unstable world, companies are facing many world threats that can compromise their activities, reputation and profitability. These losses are in multiple sectors: technical, economic, political, control, communication, social, reputable and environmental.
In addition to the growing concern, the Severe weather eventsFloods, drought and heat waves have directly affected medium and large organizations. Not rarely, many of them have to reduce or completely disrupt their activities due to the weather.
In Brazil, especially in 2024, the year with the highest number of serious weather events in the last decade. Floods in Rio Grande Do Sul To Drought In Midwest, the consequences on economic activities are repeated in the reality of national companies and are increasing-strong structure and even in those who have a CAP CAP.
2025 edition of Risk Barometer, a survey Group Alliance GroupIt shows that natural disasters for Brazilian administrators are in three major risk factors – climate change and business disruption come in second and fourth places respectively. It is connected to each other, resulting in a network of cause and effect.
However, worldwide, data represents more than 40% of losses Weather events They are insured. Therefore, it is essential to receive strategies to respond to these phenomena.
Reducing climate change
Including Risk Management, Planning and Structured Management to reduce climate effects, this reality has already led to companies to adopt more strong actions Elasticity E. Adaptation. In this case, insurance, traditionally appears to be a tool of aftermath of HASD, gets a new dimension and becomes an important part of the business strategy.
Through risk analysis, insurance companies provide financial protection from serious events, allowing the business to recover more quickly. The proof of this is, even in 2024, the risks Natural disasters Overcome US $ 140 billionIdentifying the fifth year in a row above US $ 100 billion. In other words, the insurance sector intends to restore and continue companies from various departments of the economy.
However, in addition to reducing risks, insurance guides organizations in their activities Climate change And elasticity helps them to understand more clearly, how serious events can affect their important activities and adopt any measures to reduce these effects.
Insurance and climate change
By encouraging companies to adopt sustainable methods and invest in elastic infrastructure, insurance corporations can cause more prepared, appealing and future business model. Climate change is going fast and should never be ignored. In the face of this reality requires a comprehensive view of companies’ adaptation, which combines economic protection with the implementation Constant methods And preparatory.
Companies adopting this integrated risk management model will definitely protect their assets and are more competitive and responsible for the market. The fact is that the continuation of the business depends on active and strategic management actions in the wake of weather hardship and Reducing riskIn this, insurance is a crucial aspect.
*Corporate Business Executive Director at Marisio Moshferrer Alliance Seguros E Managing Director DA Alliance Commercial Brazil
