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Science 12 August 2005:
Vol. 309. no. 5737, pp. 1040 - 1044
DOI: 10.1126/science.1112121
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Insurance in a Climate of Change

Evan Mills*

Catastrophe insurance provides peace of mind and financial security. Climate change can have adverse impacts on insurance affordability and availability, potentially slowing the growth of the industry and shifting more of the burden to governments and individuals. Most forms of insurance are vulnerable, including property, liability, health, and life. It is incumbent on insurers, their regulators, and the policy community to develop a better grasp of the physical and business risks. Insurers are well positioned to participate in public-private initiatives to monitor loss trends, improve catastrophe modeling, address the causes of climate change, and prepare for and adapt to the impacts.

* The author is at the Lawrence Berkeley National Laboratory, MS 90-4000, Berkeley, CA 94720, USA. E-mail: emills{at}lbl.gov

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Science. ISSN 0036-8075 (print), 1095-9203 (online)