The effects of climate change have long been a focus for insurers but, as Fund Manager Nick Martin and Analyst Dominic Evans discuss, the insurance industry can play a far larger role in providing the global solutions needed. The risk landscape is changing and there are now products focussed on addressing newer risks – cyber security, for example – but insurers will not lose focus on the largest risks today – climate change and extreme weather – and are refining their products more to risk prevention than just continuing to write cheques after the event.