What climate pathways do to both sides of the balance sheet, the assets you hold and the risks you underwrite, and the disclosures that follow.
We calibrate physical and transition pathways to your own holdings and exposures and run them through both sides of the balance sheet, so asset values and claims experience land in the same solvency figure. Our actuaries also express what those pathways mean for mortality and longevity, as stresses on the trend models you already use.
We quantify the effect of the transition away from carbon on the credit quality of your investments, the capital held against them and the lines of business you underwrite.
We measure exposure to flood, subsidence, wind and heat on both sides of the balance sheet, across the property-backed assets you hold and the property risks you insure.
We produce the climate disclosures your investors and supervisors require.
Climate exposure reaches an insurer through both sides of the balance sheet, so the work has to cover both. At Gini we model physical and transition exposure on the underwriting book and on the investment portfolio, quantify climate-linked mortality and morbidity effects where they are material, and produce the TCFD and ISSB disclosures the results have to support.
Gini starts from the published pathways and recalibrates them to the exposures you actually hold, then translates them into the variables your pricing, reserving and capital models already consume. Physical exposure is assessed at the risk location rather than against a regional average, and transition exposure is quantified where the carbon actually sits.
Yes. The usual finding is a severe narrative that arrives mild at the model, because the translation into modelled variables lost the severity. At Gini we test that transmission, report where the pathway and the modelled outcome disagree, and quantify what the scenario would do if it were properly transmitted.
By entering the models that set prices and limits rather than sitting alongside them. That means an underwriting appetite that reflects assessed physical exposure and an investment constraint expressed in the capital model. Where a factor cannot yet be quantified from data you hold, Gini says so rather than adding a qualitative score that changes nothing.