Joan Saladich

speaker

211 appearances 1 recordings 1 series first heard Jun 2026 last heard 2 Jun

Joan Saladich’s voice in public audio — every appearance, attributed to the second.

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Making Risk Flow | The Future of Insurance · Beyond Traffic-Light Risk Scores: Building Climate Risk Models That Actually Work | Joan Saladich (Part 1) · 2 Jun 2026 podcast

You need to embrace the complexity.

You need indeed climate data.

You need climate predictions, like the ones that we do.

But we are not just delivering a number, or we are not just delivering, let's say, a qualitative view of the future, like orange, red, or one, two, three, four, five.

We are delivering a probabilistic approach.

We are delivering uncertainty.

We are focusing on the transparency.

We are sharing the models that we are using, let's say everything.

So, this complexity is what allows underwriters, or is what allows any business at some point to really measure and to really have an adequate view of the impacts of climate change of the climate.

On the other hand, the industry is very much focused in terms of underwriting in using the historical data only, but there is also

Also, strong evidence that when you just use what has happened up to date, this could be wrong because the temperature is changing, reinsurers feel it, and because they are feeling it, they are kind of moving the pressure on insurers, on commercial insurers.

So that let's say chronic events are nowadays insured by these commercial insurers, so they pay for it, not reinsurers anymore.

They are more for the catastrophic.

So they are feeling it, the change.

And if you use just the last 50 years, there has been this event with a return period of one, you know, 100, it will be wrong for sure, too, because it's changing a little bit.

So you need to embrace this complexity, and you cannot use, let's say, these basic indices for underwriting.

And also for ESH, we are seeing that the framework.

The ESG frameworks are evolving.

And so they are asking also for this complexity.

They are asking for not just one or two scenarios, but maybe climate change scenarios, but maybe free for climate change scenarios.

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