# Insurability in a Changing World

A leadership dialogue advancing new models for the insurability of physical assets


## A global dialogue to ensure the future insurability of physical assets

As global risks intensify, from geopolitical tensions and social instability to environmental disruptions, property insurance in high-exposure regions is strained by shrinking coverage and growing protection gaps.Launched in Davos in January 2026, the "Insurability in a Changing World" dialogue brings together senior leaders from industry, finance and the public sector to design and scale solutions to keep physical assets insurable, safeguard communities, and strengthen the resilience of the global economy.


## Sectors involved

The dialogue convenes a leadership-level public-private coalition engaging the insurance and risk industry, the real economy, financial sector, and policymakers across national and global levels.


### Insurance & Risk

Insurers, reinsurers, risk pooling specialists and solution vendors designing and scaling new risk‑sharing mechanisms.


### Real Estate

Developers, asset managers and owners of physical assets in disaster‑vulnerable regions.


### Finance

Commercial lenders, institutional investors and development finance institutions providing capital in vulnerable markets.


### Governance & Civil society

Governments, regulators, international development banks and civil society organizations shaping risk governance and public finance.


## Latest publicationInsuring Against Extreme Heat: Navigating Risks in a Warming World

January 2025 I Extreme heat is the deadliest climate risk, responsible for 489,000 deaths annually – more than floods, hurricanes, earthquakes and wildfires combined. It is also rapidly becoming the costliest climate risk, projected to result in $2.4 trillion in annual productivity losses and $445 billion in annual fixed-asset losses for publicly listed companies by 2035.

[Read the report](https://www.weforum.org/publications/insuring-against-extreme-heat-navigating-risks-in-a-warming-world/)


## Our value proposition

We host the premier leadership‑level dialogue shaping the future of insurance resilience. We help turn insight into action, by creating the conditions for diverse partners to jointly design, test, and scale new interventions that protect physical assets in disaster‑prone regions.


### Insight sharing

The dialogue convenes leaders from industry, finance, and policy to surface emerging insurability challenges, share data and highlight leading practices from across regions.


### Collaboration

Members identify and design high-impact, scalable approaches to the insurability challenge, drawing on global experience and cross‑sector expertise.


### Real-world action

Select partners implement and evaluate interventions at national level, using an iterative “test‑and‑learn” process, with insights shared across the platform.


### Join the insurability dialogue

Policy‑makers, regulators, insurers, investors and real‑economy leaders interested in shaping scalable, climate‑resilient insurance solutions are invited to join the Dialogue.

[Request to join](https://initiatives.weforum.org/api/communities/v1/public/initiatives/site/page-redirect?url=https://initiatives.weforum.org/climate-resilience/&page_id=bcc9dcce-b191-47e4-9ec9-d85e6c1c98e7)