Illustrations / Munich Reinsurer
Illustrated workflow: Climate & ESG Analytics
This is a teaching scenario for a fictional desk, not a customer testimonial. Figures in the source story are not audited results and must not be quoted as ROI.
Situation
A German reinsurer needed to quantify climate transition and physical risk across its €4B property CAT portfolio. Regulatory pressure (EIOPA, BaFin) and investor demands required sophisticated climate scenario analysis that traditional CAT models didn't provide.
Workflow
Deployed Climate Risk Agent to analyze portfolio exposure to physical hazards (flood, wildfire, heat stress) and transition risks (carbon pricing, stranded assets). The system integrates IPCC scenarios, climate projections, and asset-level vulnerability data.
- Climate Risk Agent
- ESG Agent
- Portfolio Optimization Agent
Steps
- Phase 1: Physical Risk Mapping. Mapped entire property CAT portfolio to climate hazard zones using IPCC RCP scenarios. Analyzed flood, wildfire, windstorm, and heat stress exposure at asset level.
- Phase 2: Transition Risk Analysis. Assessed transition risk across industrial and commercial property exposures. Modeled carbon pricing impact, regulatory changes, and technology disruption.
- Phase 3: Scenario Integration. Integrated climate scenarios into capital modeling and strategic planning. Created executive dashboards for EIOPA ORSA reporting and investor disclosure.
Illustrated scenario, not a named customer: “Climate risk is no longer abstract. We now have quantified exposures informing every underwriting and capital decision.”