I began writing on climate change as a litigation and insurance issue back in 2007 and have been writing on the role of insurance as a potential and actual driver of climate change policy since at least 2010. Since then, it has become clear that the single greatest corporate driver of changes intended to avoid the worst impacts of climate change will be the insurance industry. As I explained here and here (among other posts), the substantial economic impacts and financial losses that will result from climate change will pass through the insurance system first, making climate issues central to the future of the industry. Leading figures in the insurance industry have been planning for this for 15 years or longer.

This BBC article on the subject is as good as I have read in the past 20 years on the topic. It explains in detail the relationship among climate change, insurance underwriting and policies issued to insureds.