As extreme weather escalates in a changing climate, protection has not kept pace – until now

Climate Change is Disrupting Insurance

Traditional insurance options for severe weather focus on the damages from catastrophic events like hurricanes but ignore less severe, higher frequency extreme weather events like heat waves, droughts, and storms. As a technology-enabled MGA, Demex uniquely addresses this gap. Demex’s groundbreaking approach to non-catastrophic weather risk management uses customer data to quantify and transfer unique financial risks for insurers and corporates.

Demex Reshapes the Market

Retained Climate Risk Reinsurance (RCR)

Demex RCR is a first-of-its-kind layer of protection for insurers. Policies cover the risks of non-catastrophic, higher-frequency weather events that typically occur within the retention layer. These events now are occurring five times more frequently than they were in the 1980s. Demex RCR supplements traditional reinsurance programs to minimize underwriting losses for insurers.

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Operational Climate Risk Coverage (OCR)

High-frequency extreme weather events like heavy rainfall, snowfall, and extreme temperatures also lead to unexpected out-of-pocket costs and lost revenue for many businesses. Demex OCR provides budget stability for customers vulnerable to increasingly volatile weather.

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Our partners include leaders in insurance, brokerage, reinsurance, and capital markets. Working with these partners, Demex delivers innovative end-to-end risk management solutions, from analyzing to transferring clients’ climate-related risk.



“Loss and Damage” Discussions at COP27

“Loss and damage” due to climate change is a focus of the 27th Conference of the Parties of the United Framework Convention Climate Change, known as COP27.

Demex Feature on Bloomberg Radio

I recently had the opportunity to speak with David Westin from Bloomberg Radio's Balance of Power. We talked about climate resilience, heatwaves, and parametric insurance. Here's a brief summary of our conversation along with some clips from the on-air interview.

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