Description

A focused course, tailored for you

P&C Climate Stress-Test Programme Build for Insurance Operations

Build the climate stress-test programme from scratch in 10 weeks. NAIC Climate-Risk Survey + Florida Sun-Coast + California SB 261 + reinsurer cession analysis.

P&C carriers face escalating climate stress-test requirements from state DOIs, NAIC, and reinsurer markets. Carriers without a programme are exposed in rate filings and reinsurance treaty renewals. Here's the 10-week build.

$199 one-time

Tailored to your situation. Access within 24 hours. 30-day money-back.

Includes a hand-built implementation playbook delivered alongside course access, generated for your specific situation.

Why this course

P&C carriers face a stack of climate stress-test requirements: NAIC Climate-Risk Disclosure Survey (16 states, 80%+ US DWP), California SB 261 (climate-financial-risk report), Florida Sun-Coast hurricane scenarios, New York Insurance Department climate guidance, and reinsurer-imposed stress tests at treaty renewal. Catastrophe-model integration (RMS, AIR, Verisk, CoreLogic) has shifted to climate-adjusted versions. Carriers without an integrated programme face rate-filing pushback, reinsurance capacity constraints, and ratings-agency scrutiny.

This course teaches the 10-week climate stress-test build: scenario library construction (physical-and-transition), catastrophe-model integration, portfolio-level aggregation, reinsurance treaty analysis, regulator-engagement workflow, and the operations dashboard. Twelve modules, each ending with a deliverable artefact. Plus a hand-built implementation playbook for your carrier's specific line-of-business exposure and reinsurer panel.

What you walk away with

A scenario library covering acute and chronic physical risk plus transition risk.
A catastrophe-model integration framework (RMS, AIR, Verisk, CoreLogic).
A portfolio-level aggregation methodology.
A reinsurance treaty-analysis framework.
A regulator-engagement workflow for state DOIs.
An operations dashboard for executive reporting.
A 10-week build plan.

The 12 modules

Module 1. Climate stress-test regulatory landscape for P&C

Detailed walkthrough of NAIC Climate-Risk Disclosure Survey requirements, California SB 261 climate-financial-risk reporting, Florida Sun-Coast hurricane scenarios, New York Insurance Department climate guidance, reinsurer-imposed stress tests at treaty renewal, and the integration with state DOI rate-and-form-filing processes. How requirements interact for a multi-state P&C carrier.

Module 2. Scenario library construction

Build the scenario library: NGFS Orderly/Disorderly/Hot House, IEA Net Zero 2050, IPCC RCP 2.6/4.5/8.5, regional climate scenarios (Florida hurricane intensification, California wildfire frequency, Gulf Coast sea-level rise, Midwest severe convective storm), time-horizon scenarios (5-year, 10-year, 30-year). The scenario library is the foundation of every stress test. Deliverable: scenario library document.

Module 3. Acute physical-risk modelling

Build the acute physical-risk model: catastrophe-model selection (RMS, AIR, Verisk, CoreLogic) for hurricane, severe convective storm, wildfire, flood, earthquake, winter storm. Climate-adjusted versions (vendor-specific RCP overlays), event-set selection, regional-aggregation considerations, and the model-validation against historical experience. Deliverable: acute physical-risk modelling framework.

Module 4. Chronic physical-risk modelling

Build the chronic physical-risk model: sea-level rise (NOAA, USACE projections), chronic heat (CDC heat-health), drought (NDMC), chronic flood (FEMA NFIP, First Street), wildfire risk (CalFire, USFS). Chronic risk reshapes long-tail exposure and is harder to model than acute. The integration with general-account asset-side exposure. Deliverable: chronic physical-risk modelling framework.

Module 5. Transition risk for P&C asset-side

Build the transition-risk model for P&C asset-side: fixed-income exposure mapping (carbon-intensive sectors, climate-aligned alternatives), equity exposure (transition-risk-exposed positions), real-estate exposure (chronic physical + transition), and the scenario-aligned valuation impact. PACTA methodology or in-house equivalent. Deliverable: transition-risk asset-side framework. Three worked examples drawn from real implementation packages plus the conversation-script for the next sponsor meeting that lands the artefact for review.

Module 6. Underwriting transition-risk and capacity analysis

Build the underwriting transition-risk analysis: line-of-business-level exposure to carbon-intensive industries (oil and gas, coal, utilities, transport), premium-at-risk by transition scenario, underwriting-transition policy (continued capacity vs phased withdrawal vs engagement), and the NZIA antitrust-safe positioning. Deliverable: underwriting transition-risk and capacity document.

Module 7. Portfolio-level aggregation

Build the portfolio-level aggregation: line-of-business-by-state aggregation, peril-by-peril aggregation, scenario-by-scenario aggregation, return-period exceedance probability, AAL (Average Annual Loss) calculation, and the gross-net-of-reinsurance presentation. The aggregation framework that supports rate-filing and reinsurance discussions. Deliverable: portfolio aggregation framework. Three worked examples drawn from real implementation packages plus the conversation-script for the next sponsor meeting that lands the artefact for review.

Module 8. Reinsurance treaty analysis under climate scenarios

Build the reinsurance treaty analysis: by-treaty attachment, exhaustion, and recovery under each climate scenario, retrocession exposure, ceded-premium impact, and the capacity-and-pricing forecast for next-renewal cycle. How to communicate climate-adjusted exposure to reinsurance brokers. Deliverable: treaty analysis framework. Three worked examples drawn from real implementation packages plus the conversation-script for the next sponsor meeting that lands the artefact for review.

Module 9. Regulator-engagement workflow

Build the regulator-engagement workflow: state DOI rate-filing climate evidence, CA SB 261 report submission, NY DFS climate engagement, NAIC survey response coordination, and the multi-state consistency strategy. How to position climate stress-test evidence as rate-filing support. Deliverable: regulator-engagement playbook. Three worked examples drawn from real implementation packages plus the conversation-script for the next sponsor meeting that lands the artefact for review.

Module 10. Executive dashboard and board reporting

Build the executive dashboard: climate-adjusted AAL by line of business, top-10 catastrophe-event scenarios with financial impact, scenario-comparison view, transition-risk exposure on asset side, underwriting transition exposure, and the board-committee-reporting cadence. The dashboard that drives strategic decisions. Deliverable: dashboard specification. Three worked examples drawn from real implementation packages plus the conversation-script for the next sponsor meeting that lands the artefact for review.

Module 11. Ratings-agency and analyst engagement

Build the ratings-agency engagement: AM Best, S&P, Moody's, Fitch climate criteria, climate-stress-test data submission, analyst-conversation preparation, and the public-disclosure-fit determination (10-K, NAIC survey, CSR report). How to position climate stress-test results as positive credit factor. Deliverable: ratings-agency engagement document. Three worked examples drawn from real implementation packages plus the conversation-script for the next sponsor meeting that lands the artefact for review.

Module 12. Your 10-week build plan

Week-by-week plan with weekly deliverables. Weeks 1-2: regulatory mapping + scenario library. Weeks 3-4: acute physical-risk model + chronic physical-risk model. Weeks 5-6: transition-risk asset-side + underwriting transition-risk. Weeks 7-8: portfolio aggregation + reinsurance treaty analysis. Weeks 9-10: regulator engagement + executive dashboard + ratings-agency engagement. Deliverable: full programme.

How this addresses your situation

Specific modules that map to what you said you are dealing with.

Module 1 covers the regulatory landscape.

Modules 2 to 6 produce the scenario library, physical-risk modelling, and transition-risk modelling.

Modules 7 to 8 cover portfolio aggregation and reinsurance treaty analysis.

Modules 9 to 11 cover regulator engagement, executive reporting, and ratings agencies.

Module 12 covers the 10-week build plan.

What you get with this course

The 12-module course delivered as text plus downloadable templates.
Templates for scenario library, catastrophe-model integration, chronic physical-risk methodology, transition-risk asset-side, underwriting transition-risk, portfolio aggregation, treaty analysis, regulator engagement, executive dashboard, ratings-agency engagement.
A hand-built implementation playbook generated for your carrier's specific line-of-business exposure and reinsurer panel.
Three worked examples of climate stress-test programmes at peer P&C carriers.
Scripted talking points for the board climate-risk-committee conversation.

What you will have in hand by Day 1, Week 1, Month 1

Day 1: Regulatory mapping completed.

Week 4: Acute and chronic physical-risk models running.

Week 6: Transition-risk asset-side model completed.

Week 8: Portfolio aggregation rate-filing-ready.

Week 10: Full programme delivered with executive dashboard.

Before and after

Before

Your carrier has exposure in NAIC survey states. Climate stress-testing is ad-hoc. State DOI rate-filings face pushback. Reinsurance renewal includes climate questions you cannot answer.

After

A documented climate stress-test programme is running. Scenarios are constructed. Physical and transition risks are modelled. Portfolio aggregation is rate-filing ready. Reinsurance treaty analysis supports renewal. Ratings agencies see consistent climate-risk evidence.

What happens if you do not address this

State DOIs are now scrutinising climate evidence in rate filings. Reinsurance treaty terms reflect climate-risk perception. Ratings agencies are downgrading carriers with weak climate-risk management.

Who it is for

For P&C insurance operations leaders, underwriting actuaries, catastrophe-risk modellers, and regulatory-affairs leads at carriers operating in NAIC survey states.

Who this is NOT for. Carriers with no NAIC-survey-state exposure. Carriers that already run a climate stress-test programme. Life and health carriers (this is P&C-specific).

How it arrives

Text-based course via LMS, plus downloadable templates and the hand-built implementation playbook.

Time investment. Roughly 16 hours of reading and 35 to 50 hours running the first programme cycle.

Why $199 is the right number

External climate-stress-test consultants charge $300K-$1.5M for P&C programmes. Catastrophe-modelling vendor engagement runs $200K-$1M. Reinsurance broker climate advisory runs $100K-$500K. $199 buys the focused playbook plus the implementation document for your carrier's specific exposure.

FAQ

Will this replace hiring a climate-stress-test consultant?

Partially. It teaches you the programme build. You may still want specialist input for complex catastrophe-model parameter calibration.

What if my carrier writes commercial lines only?

Module 6 covers commercial-lines transition-risk specifically.

Does this cover NFIP and federal-flood-program interaction?

Module 4 covers FEMA NFIP overlap with private flood exposure.

What about Lloyd's of London RDS (Realistic Disaster Scenarios)?

Module 2 covers Lloyd's RDS alignment for syndicate-exposed carriers.

What is in the implementation playbook for me specifically?

A scenario library tailored to your geographic and line-of-business exposure; a 10-week build plan.

30-day money-back guarantee. If after a week of working through the materials this is not what you needed, reply to the receipt email and a full refund is processed. No questions, no forms.

Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.