Library

Emerging risks reports grouped by thematic area.

Understanding risk

A different approach to modelling marine risk

Understanding risk

How counterfactual analysis helps insurers better understand risk by asking "what if?"

Understanding risk

Exploring trends, challenges and modelling innovations in today's Lloyd's cargo insurance market

Technology

Cyber exposure decoded. Introducing two scenarios to help insurers quantify cyber-risk aggregation

Natural environment

This report introduces a new model to help fill the gap in earthquake modelling for the rapdily urbanising Middle East region

Society and security

This report, published with Arup, looks at how to improve the ability of cities and their infrastructure to withstand and recover from disasters.

Understanding risk

This report, published by Lloyd’s in collaboration with Arium, sets out a new data-driven methodology that for the first time allows (re)insurers to model liability exposure probabilistically across their entire portfolios.

Society and security

The transition to a low carbon economy

Natural environment

In weather and climate science, links between extreme weather events occurring in separate regions of the world, taking place over timescales from days to years, are known as teleconnections. The frequency and impacts of teleconnections take place are important for insurers, and particularly reinsurers, both of whom are required to hold a level of capital that adequately reflects their exposure to losses including material weather events.

Society and security

This Lloyd’s report, part of its Emerging Risk report series, investigates the conditions that enable political violence contagion – outbreaks of sub-state political violence triggering similar events across the international system – and presents a practical approach that may better equip insurers to assess this emerging risk

Society and security

Lloyd’s has published a new Emerging Risks report that investigates the potential for chemical, biological, radiological and nuclear (CBRN) weapons use by non-state actors.

Understanding risk

This report presents an approach developed by Arium which combines insights provided by scenarios and supply chains to quantify losses that could arise from liability events.

Understanding risk

Lloyd’s has published a report that shows how insurers can use big data to carry out more robust liability risk management.

Technology

Lloyd’s new report - Drones Take Flight: Key issues for insurance - looks at the challenges around the development of insurance solutions for drones.

Natural environment

Although California is currently enduring its worst drought for 1200 years, record rainfall that has hit parts of the state over the last month along with a strengthening El Niño has highlighted the fact that flooding remains a significant natural peril in the region.

Society and security

The threat of cyber attack reaches every part of modern society, and insurance could have an important role to play in helping organisations to manage their cyber risk exposure. However, there is a significant level of uncertainty attached to the impact of severe events. Lloyd’s has published a research report that aims to contribute to the knowledge base required to develop the next generation of insurance solutions for the digital age.

Society and security

This report is intended to help underwriters operating in the Lloyd’s market identify previously unconsidered food security impacts on insurance and risk.

Technology

This report presents two expert contributions which investigate the key risk factors for the insurance of Bitcoin operations.

Natural environment

The potential for climate change to drive changes in the severity and likelihood of extreme weather events could have implications for the accuracy of natural catastrophe models. This report examines whether and how catastrophe models account for climate change through a series of case studies provided by a range of academic and commercial model providers.

Technology

Existing autonomous and unmanned technology is sophisticated and will continue to develop incrementally. This report looks at two major categories of autonomous and unmanned vehicles: autonomous cars and unmanned aerial systems (UAS).

Natural environment

Rising property value and a growing desire to live in the Wildland Urban Interface has increased the risk of wildfires in certain regions. This report examines wildfire risk, looking at trends and the regions most at risk.

Natural environment

The report, which was produced in collaboration with the Atmospheric and Environmental Research (AER), examines the impact of solar storms on North America’s electric grid. By developing a model, the report quantifies the risk of space weather to North America.

Society and security

This report sheds light on the risks associated with food insecurity and issues arising from food safety. It also examines the risks and opportunities associated with food for businesses and examines the implications for the insurance industry.

Technology

The cost of dealing with wrecks is rising. We have published a new report which warns that the cost of dealing with shipwrecks is spiralling and the increase in removal cost is often passed to insurers, reinsurers and ship owners.

Natural environment

This report examines tornado risk and whether it is changing. The report highlights that historical tornado data can both unreliable and inconsistent which makes identifying long term trends, and possible links to tornado patterns and climate change almost impossible.

Understanding risk

This report, produced in cooperation with the University of Kent, analyses behaviours which affect risk identification and decision-making. The report draws on various areas within psychology and related disciplines to highlight potential biases in risk perception.

Understanding risk

This research shows, for the first time, an annual gap of $168 billion between the levels of insurance needed and the actual cost to businesses and governments of rebuilding and recovering from major catastrophes.

Natural environment

The severity and frequency of hurricanes are influenced by changes in the climate of the Atlantic over the long term, and in particular, the changes over many decades of sea surface temperatures.

Natural environment

Rapid and disruptive change in the Arctic environment presents uneven prospects for investment and economic development. This report examines the risks and opportunities the Arctic offers.

Natural environment

Flooding remains the UK’s most significant natural hazard. This report sets out an approach to flood risk assessment based upon an understanding of past and future river dynamics. The report also examines methods to extend UK flood records highlighting how recent damaging flood events are not unprecedented.

Natural environment

This paper outlines the scope and objectives of the research being conducted by Joanne Wood at the University of Exeter into the influence of climate change on the risk of landslides in the Alps.

Natural environment

The report, produced in consultation with a panel of experts from the Lloyd’s market, sets out nine key principles for addressing the issue of rising losses from extreme weather events and other natural catastrophes in the US.

Technology

The report was produced by Lloyd’s Performance Management in co-operation with two leading industry experts: Andrew Rees and David Sharp. It provides an overview of drilling processes and techniques in extreme environments, such as deepwater and the Arctic.

Natural environment

This report has been produced in co-operation with the Royal United Services Institute and examines how insurers and key stakeholders can work together to improve flood resilience, response and recovery.

Natural environment

This joint Lloyd's and Met Office report examines the potential value of long-range forecasting for the insurance industry. It highlights how forecasting scientists are developing models to predict weather events and patterns over timeframes from the seasonal to several years, which should be useful to insurers.

Technology

Produced by Lloyd's and HP labs, this report suggests that companies are facing a wide range of sophisticated attacks. The report also highlights a number of technological trends that will further expose business to digital risks.

Technology

The report considers recent research into whether exposure to electromagnetic fields from mobile phones can cause health problems and the impact this could have on the insurance industry.

Natural environment

Produced by Lloyd's and RAL Space, this report aims to increase awareness of space weather as a global risk. The report explores the threats to business and highlights ways in which companies can better manage this growing risk.

Natural environment

A detailed new study from Lloyd’s shows that East London has experienced a tenfold increase in extreme daily rainfall since 1960. As well as this report, please see the data provided at the bottom of the text.

Society and security

A new Lloyd's 360 Risk Insight report outlines the implications of Globalisation in an increasingly interconnected world.

Society and security

A new Lloyd's 360 Risk Insight report examines the growing risks to business around securing reliable and sustainable future energy supplies

Natural environment

The report produced in association with WWF aims to increase awareness of water as a key resource under threat. It explores the increasing threat to business from water scarcity and highlights ways in which companies can better manage this growing risk.

Natural environment

This report, produced in collaboration with the International Institute of Strategic Studies (IISS), identifies four major areas in which climate change might lead to an adverse impact on global security

Understanding risk

Underwriters take risks every day of their lives, yet many are unaware of the subconscious thoughts that are clouding their judgements. Insurance professionals will benefit by being aware of these behavioural biases described in this report.

Society and security

This report looks at exploring opportunities in microinsurance

Society and security

Lloyd’s and NATO examine how businesses can manage emerging risks.

Technology

This report investigates some of the trends and emerging risks posed by the revolution in digital and communications technology with the aim of raising the profile of these risks within the insurance industry and amongst risk managers in affected businesses. The information and views contained within this report are the result of consultation with knowledgeable industry figures and academics.

Society and security

This latest report explores corporate risk attitudes around the world

Technology

This report offers an introduction to the field of synthetic biology and present some opportunities and risks.

Society and security

This latest report looks at managing political risk during the recession.

Society and security

The second of two short reports looking at how business leaders can prepare for emerging risks

Society and security

This report examines current and future litigation risks.

Technology

An overview of the risks of Hormone Replacement Therapy.

Natural environment

Climate models clearly show that our weather patterns are changing and that as a result sea levels will rise. Lloyd’s teamed up with Risk Management Solutions to look at how measures of defence against flooding could help to maintain the affordability and availability of insurance in the future.

Society and security

Consideration of the impact the next pandemic could have on the insurance industry.

Society and security

In the first of its two short reports, Lloyd’s analyses the emerging risks facing global businesses today.

Society and security

This report focuses on the risk of terrorism in Southeast Asia and what businesses can do to respond

Society and security

This report examines the growing threat of home-grown terrorism

Society and security

This report examines the threat of geopolitical risk on business

Technology

A review of the potential effect the new area of nanotechnology could have on the insurance industry.

Natural environment

Lake Okeechobee is highly vulnerable to hurricane damage. This report looks at the risks associated with the collapse of the Herbert Hoover Dike in Florida.

Natural environment

This report further examines the realities of climate change and the critical need for action within our lifetime to mitigate its effects.With insight from leading scientists, this report particularly focuses on four areas; sea level rise, melting icecaps, flood and drought. Climate change is not a gradual phenomenon. The latest scientific research shows that it is likely to bring increasingly dramatic and possibly rapid, effects at a local level.

Natural environment

This report addresses the issues and impact of climate change and the steps the insurance industry might take to prepare for the increasing volatility of the climate.

Cookies

Continue

Our cookies are there to make it easier for you to use our website. They allow us to recognise our registered users, count visitor numbers and find out how they navigate the site; helping us make changes so you can find what you’re looking for faster. Find out more