{
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    "slug": "defi-climatique-et-assurance",
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    "link": "https:\/\/detralytics.com\/en\/publication\/defi-climatique-et-assurance\/",
    "title": {
        "rendered": "D\u00e9fi climatique et assurance : Les assureurs, partenaires de pr\u00e9vention actifs ?"
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data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">D\u00e9fi climatique et assurance : Les assureurs, partenaires de pr\u00e9vention actifs ?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a802b85 elementor-widget elementor-widget-heading\" data-id=\"a802b85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">DetraNote 2025-3<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87f3931 e-flex e-con-boxed e-con e-parent\" data-id=\"87f3931\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9aa7e1d e-con-full e-flex e-con e-child\" data-id=\"9aa7e1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67f934f elementor-widget elementor-widget-image\" data-id=\"67f934f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/07\/DetraNote-2025-03.pdf\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"764\" height=\"1080\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/07\/DETRAnote_FR-764x1080.jpg\" class=\"elementor-animation-grow attachment-medium size-medium wp-image-5502\" alt=\"Detra Note\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/07\/DETRAnote_FR-764x1080.jpg 764w, https:\/\/detralytics.com\/wp-content\/uploads\/2025\/07\/DETRAnote_FR-768x1086.jpg 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2025\/07\/DETRAnote_FR-1086x1536.jpg 1086w, https:\/\/detralytics.com\/wp-content\/uploads\/2025\/07\/DETRAnote_FR.jpg 1240w\" sizes=\"(max-width: 764px) 100vw, 764px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-420ffe4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"420ffe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/07\/DetraNote-2025-03.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e62cc6 e-con-full e-flex e-con e-child\" data-id=\"2e62cc6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc5d00b elementor-widget elementor-widget-heading\" data-id=\"fc5d00b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Abstract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1e1dc7 elementor-widget elementor-widget-text-editor\" data-id=\"f1e1dc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Climate change is accompanied by an increase in both the frequency and severity of natural disasters. The proposed solutions to address these challenges also carry their own set of associated risks. The insurance sector is therefore naturally positioned to play a leading role, drawing on centuries of experience in managing all types of risks and continually pushing the boundaries of insurability through ever more effective strategies.<\/p>\n<p>This paper aims to demonstrate that the sector could develop innovative solutions in partnership with public authorities, for the benefit of all.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f29719 e-con-full e-flex e-con e-child\" data-id=\"0f29719\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2952de9 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2952de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Sector: <\/b>Insurance<\/p>\n<p><b><\/b><b>Expertise: <\/b>Climate Risks<\/p>\n<p><b>Authors:<\/b> Michel Denuit, Julien Trufin<\/p>\n<p><b>Publisher:<\/b> Detralytics<\/p>\n<p><b>Date:<\/b> July 10, 2025<\/p>\n<p><b>Language:<\/b> French<\/p>\n<p><b>Pages:<\/b>\u00a09<\/p>\n<p><b>Reference :<\/b> Detra Note 2025-3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6ae38d e-flex e-con-boxed e-con e-parent\" data-id=\"c6ae38d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c05c2 elementor-widget elementor-widget-spacer\" data-id=\"a1c05c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f183faa elementor-widget elementor-widget-heading\" data-id=\"f183faa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">About the authors<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53f26ef e-flex e-con-boxed e-con e-parent\" data-id=\"53f26ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45ca7dd e-con-full e-flex e-con e-child\" data-id=\"45ca7dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d43f55d elementor-widget elementor-widget-image\" data-id=\"d43f55d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"501\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond.png\" class=\"attachment-large size-large wp-image-2059\" alt=\"Michel Denuit\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond.png 500w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-400x400.png 400w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-150x150.png 150w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-100x100.png 100w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-250x250.png 250w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-320x320.png 320w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-146x146.png 146w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-50x50.png 50w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-75x75.png 75w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-85x85.png 85w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-80x80.png 80w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0de6fc e-con-full e-flex e-con e-child\" data-id=\"f0de6fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-224cb75 elementor-widget elementor-widget-heading\" data-id=\"224cb75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Michel Denuit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2a84c0 elementor-widget elementor-widget-text-editor\" data-id=\"a2a84c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"has-text-color has-link-color wp-elements-714ab650d57f678c143372ff2f9356f4\">Michel is an Honorary Scientific Advisor at Detralytics, as well as a professor in actuarial science at the Universit\u00e9 Catholique de Louvain. He has international experience as a visiting professor, and has promoted many projects in collaboration with the industry. At Detralytics, Michel coaches young talents, provides cutting-edge training, fosters innovation and oversees R&#038;D projects.\n<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b455dd6 e-flex e-con-boxed e-con e-parent\" data-id=\"b455dd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-826b55c e-con-full e-flex e-con e-child\" data-id=\"826b55c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4936f2 elementor-widget elementor-widget-image\" data-id=\"a4936f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"323\" height=\"325\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Julien-rond.jpg\" class=\"attachment-large size-large wp-image-2076\" alt=\"Julien Trufin\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Julien-rond.jpg 323w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Julien-rond-150x150.jpg 150w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Julien-rond-100x100.jpg 100w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Julien-rond-145x146.jpg 145w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Julien-rond-50x50.jpg 50w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Julien-rond-75x75.jpg 75w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Julien-rond-85x85.jpg 85w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Julien-rond-80x80.jpg 80w\" sizes=\"(max-width: 323px) 100vw, 323px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-888af75 e-con-full e-flex e-con e-child\" data-id=\"888af75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b42de73 elementor-widget elementor-widget-heading\" data-id=\"b42de73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Julien Trufin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c03f01f elementor-widget elementor-widget-text-editor\" data-id=\"c03f01f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"has-text-color has-link-color wp-elements-714ab650d57f678c143372ff2f9356f4\">Julien is a Scientific Advisor at Detralytics, as well as a professor in Actuarial Science at the department of mathematics of the Universit\u00e9 Libre de Bruxelles. Julien has experience as a consultant and a strong academic background developed at prominent institutions, including Universit\u00e9 Laval (Canada), UCL, and ULB (Belgium). At Detralytics, Julien coaches young talents, provide cutting-edge training, fosters innovation and oversees R&amp;D projects.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b13b74 e-flex e-con-boxed e-con e-parent\" data-id=\"6b13b74\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fd0655 elementor-widget elementor-widget-button\" data-id=\"1fd0655\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/en\/publications\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-left\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M257.5 445.1l-22.2 22.2c-9.4 9.4-24.6 9.4-33.9 0L7 273c-9.4-9.4-9.4-24.6 0-33.9L201.4 44.7c9.4-9.4 24.6-9.4 33.9 0l22.2 22.2c9.5 9.5 9.3 25-.4 34.3L136.6 216H424c13.3 0 24 10.7 24 24v32c0 13.3-10.7 24-24 24H136.6l120.5 114.8c9.8 9.3 10 24.8.4 34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">All Publications<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>",
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        "rendered": "<p>The expansion of the cyber insurance market is constantly under the threat of an accumulation event that would simultaneously affect a large number of policyholders&#8230;<\/p>",
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