finance & insurance sector
nature risk is financial risk
portfolios, underwriting, and lending are all exposed to nature dependencies and climate impacts. ensurance provides new tools for risk mitigation and nature-positive investment.
assess portfolio nature risknature dependencies
how finance & insurance depends on ecosystem services & natural capital
key challenges
financial institutions face systemic nature-related risks across portfolios while lacking tools to assess, price, and mitigate these exposures.
portfolio exposure
nature dependencies permeate portfolios across sectors, creating correlated risks that are difficult to assess and manage.
underwriting uncertainty
changing climate conditions make historical loss data unreliable for pricing, creating adverse selection and reserve challenges.
disclosure requirements
TNFD and similar frameworks require nature risk assessment capabilities that most institutions lack.
limited instruments
few investable instruments exist for nature-positive exposure beyond traditional conservation or carbon.
how ensurance helps
assess nature risk exposure across portfolios using our sector-ecosystem dependency mapping
invest in proactive risk mitigation—fuel reduction, flood buffers, watershed protection—that reduces insured losses
access investable ensurance instruments with defined risk/return profiles and verified impact
structure blended finance vehicles that stack philanthropic, public, and private capital for nature
generate TNFD-aligned data on nature dependencies and risk mitigation activities
use cases
real-world scenarios for finance & insurance
insurance loss mitigation
an insurer funds ensurance certificates for fuel reduction across high-risk portfolios, reducing modeled wildfire losses by 30% and informing premium adjustments.
nature-positive fund
an asset manager launches an ensurance-based fund providing exposure to diversified natural capital with verified ecosystem outcomes and competitive returns.
lending facility
a development bank structures a lending facility where borrowers receive preferential terms for investing in ensurance that protects project-related ecosystems.
ready to get started?
let's discuss how ensurance can help your finance & insurance organization