We're reimagining insurance
as a force for social and environmental good.
Insurance for Good is a non-profit serving as the community of practice working to harness risk transfer for the common good.
We partner with communities and the public sector to curate shared resources, deliver capacity-building programs, incubate open-source and innovative risk transfer approaches, and partner for improved policy and regulation that achieve social and environmental goals.
The problem.
The interconnected challenges of climate change, rising inequality, and nature loss are increasing risks across the economy and require action by all sectors.
Climate change is breaking insurance markets just as we need them more than ever and vulnerable populations lack the coverages they need.
Insurance can be a lever to drive change in other sectors and to facilitate needed investments, yet such approaches and products are currently limited.
Efforts to harness insurance for positive change are fragmented, many groups lack needed capacity, and incentives for innovation may be misaligned.
Our solution.
Insurance for Good is assembling the community of practice working to harness insurance as a tool for change.
Shared resources.
capacity building.
open-source innovation.
POLICY and regulatory reform.
Explore how insurance can help us manage climate risk, secure equitable recoveries, and expand nature-positive investments.
increasing resilience
Utilizing insurance to support more significant investments in risk reduction and resilience both before and after disasters.
Improving Equity and Inclusivity
Developing appropriate and affordable policies and programs to enhance equity in disaster recovery and inclusivity in insurance markets.
Driving Decarbonization
Accelerating energy transition efforts at scale across sectors.
Protecting Nature
Harnessing risk transfer for conservation, restoration, and other nature positive actions.
Designing grants to fund the resilience delta.
What is the resilience delta? The resilience delta is the difference in cost between rebuilding typical construction and rebuilding resiliently after a disaster. While research has shown that investments in hazard mitigation (or resilience) are typically highly cost-effective, reducing future expected losses by more than their cost, most do require somewhat more in upfront funds.
Featured publications.
-
![]()
Is the future insurable?
Insurance for Good’s Carolyn Kousky partnered with Spencer Glendon, founder of Probable Futures, and Barney Schauble, Principal at greenthread explain how insurance works and the root of insurability challenges in a changing climate.
-
![]()
Nature for Insurance and Insurance for Nature
An exploration of the relationship between insurance and nature-related topics with a focus on solutions that are fit-for-purpose, durable, and scalable.
-
![]()
Insurance Reforms for Resilient Communities and Inclusive Markets
Policy recommendations to the CA Blue Ribbon Commission on Climate Action and Fire Safe Recovery.
-
![]()
Lessons from the Isleton, CA Community Based Flood Insurance Pilot
A cross-sectoral group has worked to develop a new approach to flood insurance to provide financial protection to the residents of Isleton.
-
![]()
Puerto Rico's Innovative Use of Parametric Insurnace
To better protect itself and ensure a faster recovery, Puerto Rico, in partnership with FEMA, has taken a bold step by securing a parametric insurance policy.
-
![]()
Is California becoming Uninsurable?
Insurance for Good’s summary of the dynamics in the California insurance market that have been unfolding through six sets of graphs, providing context for the current insurance issues facing the state as recovery begins.
-
![]()
What is happening to insurance markets?
Watch “EDF Explains” to learn why home insurance costs are rising and how climate change is reshaping the industry.
-
![]()
U.S. Homeowners Insurance Market Analysis 2018-2022
Analysis by the Federal Insurance Office in collaboration with the National Association of Insurance Commissioners.
-
![]()
Why I founded Insurance for Good
Dr. Carolyn Kousky shares the insight and conviction behind starting the Insurance for Good community of practice .
-
![]()
Insurance Innovation to Meet Social Needs
A process of social innovation to improve financial recovery from increasing climate disasters.
-
![]()
Adaptation to Climate Change: Risk Reduction and Insurance
Exploring novel disaster risk reduction strategies and risk transfer mechanisms like insurance.
-
![]()
Nature Based Solutions & Risk Management
Recommendations for integrating nature into risk science and insurance.
-
![]()
Inclusive Insurance for Climate-Related Disasters
A framework for expanding the financial protection of insurance against climate disasters.
-
![]()
Insurance Solutions and Climate Finance
A collection of insurance solutions powering $10 trillion of climate finance. How insurance can support the transition to a sustainable future.
-
![]()
Understanding Disaster Insurance
An accessible introduction to the complexities—and exciting possibilities—of risk transfer markets in the U.S. and around the world.
-
![]()
The Evolution of Florida's Public-Private Approach to Property Insurance
Overview of current insurance dynamics in Florida.
"Risk transfer has an important role to play in the transition to a resilient, carbon-free, sustainable, and equitable economy...
“The next few decades are going to increasingly be dominated by risk management. As threats grow, it will be the ability to effectively understand, reduce, and transfer these risks that will allow households, businesses, and communities to continue to thrive and maintain their well-being.”
— Carolyn Kousky in Understanding Disaster Insurance
In the news.
-
![]()
Reimagining Home Insurance
Margaret Walls and Carolyn Kousky discuss the drivers of insurance market instability and policy interventions for equity and resilience.
-
![]()
Using Insurance Models to Drive Positive Change
A conversation with Ten Across on insurance and accelerating risk, including encouraging more private sector involvement in creating resilience.
-
![]()
Insurance predictions for 2025
Listen to Carolyn Kousky and other climate adaptation experts on what’s ahead in 2025, including a theme around insurance.
-
![]()
We Need to Fix Disaster Insurance
Read Carolyn Kousky's article on Why We Need to Fix Disaster Insurance Markets this Year and How to Do It from Earth.org.
-
![]()
House of Cards: Florida Property Insurance
A conversation with Doug Parsons on the America Adapts Podcast covering Florida and property insurance.
-
![]()
A NY nonprofit is piloting community-based flood insurance. Could it be a model?
Listen to NPR’s Marketplace 10/23/24 episode.
-
![]()
Is Insurance Doomed?
The Vox Unexplainable podcast explores the impact of risking risk on our property insurance markets and what we can expect in the future.
-
![]()
Risk and Nature-Positive Investments
A dangerous decline in nature and biodiversity loss threatens the real economy. Risk transfer can help through nature-positive investments.
-
![]()
Climate Risk & Sustainable Housing
Susan Crawford's case for why it could be important to include climate risks in the "sustainable housing" mission.
