保險業創新變革，「為善保險」致力加強災後重建與綠色發展

近日，非營利組織「為善保險」（Insurance for Good）宣布成立，將致力於利用「風險轉移」機制，即透過私人或公共渠道將風險從一方轉移至另一方，以支持廣泛的社會和環境目標，從而協助解決全球愈加嚴峻的災害與氣候變遷挑戰。

Recently, the non-profit organization "Insurance for Good" announced its establishment. It will be committed to using the "risk transfer" mechanism, that is, transferring risks from one party to another through private or public channels, to support a wide range of social and environmental goals, thereby helping to solve the world's increasingly severe disaster and climate change challenges.

根據該組織的使命聲明，「為善保險」將專注於多個核心領域，包括改進災害復原過程、推動自然災害韌性投資、加速能源轉型、以及推進在提升自然保護成效方面具有正面影響的解決方案。該組織強調，透過創新的風險管理框架可以吸收重大財務損失，這一策略不僅有助於減輕氣候相關災害帶來的經濟影響，還能推動保險市場的創新，以因應日益加劇的風險和氣候變遷壓力。

According to the organization's mission statement, Insurance for Good will focus on a number of core areas, including improving disaster recovery processes, driving investment in natural disaster resilience, accelerating the energy transition, and advancing solutions that have a positive impact in improving the effectiveness of nature conservation. The organization emphasizes that significant financial losses can be absorbed through innovative risk management frameworks. This strategy not only helps mitigate the economic impact of climate-related disasters, but also promotes innovation in the insurance market to respond to increasing risks and climate change pressures.

「為善保險」創辦人Kousky曾任賓夕法尼亞大學沃頓風險管理與決策過程中心主任，她致力於推動應對災難事件的企業及公共政策發展。在創立該非營利組織時，Kousky強調，地球目前正面臨多重挑戰，從破紀錄的氣溫上升到社會不平等日益嚴重，加之新興風險不斷浮現，問題不斷加劇。她警告說，「我們未能有效減少碳排放，導致我們被鎖定在一個物理風險不斷升高的環境中，包括颶風、野火、冰雹、龍捲風、鹽水入侵和乾旱等災害威脅加劇。」

Kousky, the founder of "Insurance for Good", was the director of the Wharton Risk Management and Decision Process Center at the University of Pennsylvania. She is committed to promoting the development of corporate and public policies in response to disaster events. In founding the nonprofit, Kousky emphasized that the planet is currently facing multiple challenges, from record-breaking temperatures to growing social inequality, coupled with emerging risks that are exacerbating problems. "Our failure to effectively reduce carbon emissions has locked us into an environment of rising physical risks, including heightened threats from disasters such as hurricanes, wildfires, hail, tornadoes, saltwater intrusion and drought," she warned.

Kousky認為，全球的保險行業需要全面更新以適應當前的風險狀況。她強調，「保險已不再是理所當然的保障。人們、政府和各類機構都必須快速提升風險和保險知識，並掌握相應技能，以因應這些挑戰。」該組織表示，隨著極端天氣事件愈加頻繁，保險知識和適應能力已成為保護人們免受重大損失的重要手段。

保險市場的政策關切

「為善保險」的成立，也正值政策制定者對保險市場狀況加強關注之際，尤其針對氣候變遷引發的天災應對策略。今年稍早，美國參議院預算委員會的一場聽證會中，參與者將當前的住宅保險市場情況與2008年經濟衰退前的住房市場相提並論。委員會指出，隨著氣候變遷帶來的惡劣天氣事件日益頻繁且強度不斷增加，住宅保險的保費也同步攀升，讓消費者面臨更高的經濟壓力。委員會指出，為應對此類挑戰，市場上亟需創新性的解決方案，而「為善保險」的倡議正是符合這一需求的積極嘗試。

Kousky believes that the global insurance industry needs a comprehensive update to adapt to the current risk profile. She emphasized, "Insurance is no longer a taken-for-granted guarantee. People, governments and various institutions must quickly improve their risk and insurance knowledge and master the corresponding skills to cope with these challenges." The organization stated that as extreme weather events become more frequent, insurance knowledge and adaptability have become important means to protect people from major losses.

Insurance Market Policy Concerns

The establishment of "Insurance for Good" also comes at a time when policymakers are paying more attention to the conditions of the insurance market, especially in response to natural disasters caused by climate change. Earlier this year, participants in a U.S. Senate Budget Committee hearing compared the current situation in the residential insurance market to the housing market before the 2008 recession. The committee noted that as severe weather events brought about by climate change become more frequent and more intense, residential insurance premiums are also rising, putting consumers under higher financial pressure. The Committee pointed out that in order to deal with such challenges, the market is in urgent need of innovative solutions, and the "Insurance for Good" initiative is a positive attempt to meet this need.

在此背景下，「為善保險」的核心使命得到了業內廣泛支持。該組織的目標是通過與保險業界及風險管理專家合作，確保高風險地區的居民和企業獲得必要的財務支持，以加快災後重建並強化韌性建設。「為善保險」還將推動綠色能源投資，並協助制定一系列措施以加快能源轉型，確保全球社會能夠應對不斷變化的氣候挑戰。

Against this background, the core mission of "insurance for good" has received widespread support from the industry. The organization's goal is to ensure that residents and businesses in high-risk areas receive the necessary financial support to accelerate post-disaster reconstruction and strengthen resilience by working with the insurance industry and risk management experts. "Insurance for Good" will also promote green energy investment and help develop a series of measures to accelerate the energy transition and ensure that the global society can cope with the changing climate challenges.

創新舉措與長遠發展

Innovative measures and long-term development

Kousky指出，「為善保險」的成立目標是在全球面臨日益加劇的氣候和環境風險的背景下，創建更具彈性和創新的保險模式。她表示，「創新不僅僅是為了應對當前的挑戰，更是為了打造一個在未來也能應對風險的系統。」

Kousky pointed out that the founding goal of "Insurance for Good" is to create a more resilient and innovative insurance model in the context of the world facing increasing climate and environmental risks. She said, "Innovation is not just about meeting current challenges, but also about creating a system that can also deal with risks in the future."

該組織指出，未來將推出一系列針對不同地區和行業的創新風險管理方案，以滿足不同的需求。透過與政府、企業及非政府組織的合作，「為善保險」希望能引領保險市場的轉型，以應對氣候變遷的挑戰，並確保風險轉移機制能夠為全球帶來積極的社會和環境效益。

The organization pointed out that in the future, a series of innovative risk management solutions for different regions and industries will be launched to meet different needs. Through cooperation with governments, businesses and NGOs, Insurance for Good hopes to lead the transformation of the insurance market to address the challenges of climate change and ensure that risk transfer mechanisms can bring positive social and environmental benefits to the world.