How the insurance industry is impacted by global warming (climate change) by way of insurance coverage for CO2 emitters, lawsuits arising from emissions, regulations, and risk assessment in the face of more disasters. This power point provides an overview of the risks facing insurers as the climate continues to change.

1. Insurance In A Climate Of Change

2. What Is Global Warming?

3. Global warming refers to an average increase in the Earth's temperature, which in turn causes changes in climate. A warmer Earth may lead to changes in rainfall patterns, a rise in sea level, and a wide range of impacts on plants, wildlife, and humans. The U.S. Environmental Protection Agency, 2006

4. What Causes Global Warming?

9. Global Warming Why Insurance Companies Should Be Concerned

11. Extreme Weather Events Cost the Insurance Industry Billions of Dollars In First-Party Claims

23. New Liability Exposure The “Global Warming” Claim

27. Are Greenhouse Gas Emitters Covered Under CGL Policies?

32. CO2 AND THE FUTURE None of the California cases cited address the Absolute Pollution Exclusion in the context of greenhouse gas emissions. As a result, there is a gaping hole in the legal landscape. How will courts analyze a claim for coverage involving CO2?

49. California v. General Motors Corp.

56. What Is Being Done To Curb Greenhouse Gas Emissions?

57. Clean Technology & Sustainable Building

66. From Risk to Opportunity New Insurance Products Offered to Promote Emission Reductions