​Ripple Hosts

​Jeremy Brown

​Anthemis

​Victoria Haatainen-Cutler

​Achmea Innovation Fund

​TL;DR

​Climate and carbon risk continue to affect the insurance industry. This ripple explores opportunities in climate insurance, from unique businesses and their distribution models to new products that will shape the industry and unlock opportunities broadly in climate tech in the years to come.

​Topic overview

​Why is the topic relevant?

​As climate risks intensify and evolve, the insurance industry is facing mounting pressure to respond—not just as a reactive underwriter, but as an active enabler of resilience and adaptation. Traditional risk models are breaking under the weight of increasing volatility, while regulatory and market forces are pushing for new, data-driven, forward-looking approaches. Software-driven solutions at the intersection of climate science, finance, and risk management are emerging as critical enablers—not only for insurers to better price, mitigate, and transfer risk, but also for a broader ecosystem of stakeholders to build climate resilience into infrastructure, supply chains, and communities.

​What’s up for discussion?

• ​How can software-driven models improve climate risk assessment, underwriting, and capital allocation?

• ​What are the key gaps in climate-risk data and modeling for insurers and investors?

• ​How do we align incentives between insurers, policyholders, and public institutions to drive adaptation?

• ​What types of climate risk products are still missing from the market—and what’s holding them back?

• ​How can startups embed insurance or risk-transfer into climate tech (e.g. agtech, energy, water, supply chains)?

• ​What are examples of successful go-to-market strategies for climate-insurance products at early stages?

• ​What are the opportunities in carbon insurance and how it will build bankability for decarbonization projects?

• ​What do we NOT want to insure in the context of climate?

• ​What are the data & infrastructure opportunities in climate risk, insurance, and AI?

​Dream outcome

​We hope to catalyze new collaborations—between insurers, investors, founders, and climate experts—that lead to the creation or acceleration of ventures at this intersection. A dream outcome would be identifying clear opportunity areas for investment, finding aligned co-investors, and spotlighting overlooked problem spaces where climate software can unlock new forms of financial resilience.

​Who should attend?

• ​Climate tech founders exploring financial/insurance integrations

• ​Insurtech startups with climate-aligned products

• ​Reinsurers and insurers looking to partner or invest in early-stage innovation

• ​Climate data platforms or model developers

• ​VCs focused on climate, fintech, or frontier software

• ​Public sector or NGO actors working on climate resilience and risk transfer

• ​Corporates (e.g. in ag, logistics, real estate) exploring embedded insurance or adaptation tool