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2011 was the insurance industry's most costly year on record for natural catastrophe claims, as a devastating sequence of catastrophes occured across the globe.
Natural catastrophes cause terrible loss of life and impose an ever-growing cost on governments and businesses.
This research, commissioned by Lloyd's from the Centre for Economic and Business Research shows, for the first time, an annualised insurance deficit of $168 billion that leaves 17 high growth countries severely exposed to the long-term costs of catastrophic events.
Divided into four sections, our research analyses the facts, providing an urgent call to action to governments, insurers and businesses.
2011 witnessed an unprecedented series of natural catastrophes, devastating whole communities, and pushing global supply chains to breaking point.
What impact does the prevalence of non-life insurance have on a country’s ability to recover from a natural catastrophe – and who foots the bill?
Our findings suggest there is a virtuous cycle between levels of non-life insurance penetration, benefits to business and wider GDP growth.
How much do different industries spend on insurance? The research examines the levels of non-life insurance in 16 industries, including transportation, mining, manufacturing, financial services and construction.
On 5 December 2012, Lloyd’s and the Centre for Economics and Business Research jointly hosted a Twitter discussion on how to bridge the global underinsurance gap. Here you can browse some of the highlights from the session.
On 5 December 2012, Lloyd’s and the Centre for Economics and Business Research jointly hosted a Twitter discussion how to bridge the global underinsurance gap.
We have published a series of infographics which summarise the report's key findings in visual form.
The report in pictures
Overview of findings
The role of business
The role of industry
Insurance and the taxpayer
The role of governments
Insurance and growth
Analysis of the impact & aftermath of five recent natural disasters & the role insurance played in reconstruction.
View case studies
This research shows an annualised deficit of $168bn in 17 countries across the world – many of which are high growth economies.
Emerging Risk Reports
Class of Business Reports
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