key challenges
insurers face escalating catastrophic losses from climate-related events while traditional risk transfer tools become inadequate for systemic nature risks.
escalating catastrophic losses
wildfire, flood, and storm losses are increasing exponentially, outpacing premium growth and threatening portfolio viability in high-risk regions.
concentrated exposure
portfolios are heavily exposed to specific geographies where nature-related risks compound—WUI zones, flood plains, coastal areas.
reactive model limitations
traditional insurance pays after losses occur but does nothing to reduce the underlying risk drivers in the landscape.
pricing uncertainty
rapidly changing climate conditions make historical loss data unreliable for pricing, creating adverse selection and reserve adequacy challenges.
how ensurance helps
fund proactive fuel reduction, defensible space, and forest health treatments that reduce wildfire ignition and spread
invest in wetland restoration, floodplain reconnection, and natural buffers that attenuate flood losses
establish MRV systems that measure risk reduction outcomes and inform pricing adjustments
create portfolio-level natural infrastructure strategies that reduce systemic exposure across regions
structure ensurance syndicates that align premium flows with ongoing risk mitigation activities
relevant services
BASIN services tailored for insurers
nature finance & valuation
risk & resilience services
use cases
real-world scenarios for insurers
wildfire risk corridor
an insurer funds ensurance certificates for fuel reduction across a 50,000-acre corridor protecting insured communities. MRV documents 40% reduction in modeled fire spread, informing premium discounts.
flood buffer investment
a P&C carrier invests in wetland restoration certificates upstream of flood-prone portfolios. restored floodplain capacity reduces 100-year flood peaks by 18%, cutting expected losses.
syndicate risk mitigation
multiple insurers pool capital into an ensurance syndicate funding regional resilience corridors, sharing both risk reduction benefits and premium cost structures.
parametric integration
an insurer links parametric products to ensurance-funded natural infrastructure, where ecosystem health metrics trigger premium adjustments and payout thresholds.
ensurance instruments
the tools that power your natural capital strategy
specific certificates
certificates tied to individual natural assets with defined locations & attributes
agents
ai agents with their own accounts for autonomous stewardship & management
syndicates
shared groups pooling capital around specific natural capital objectives