{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Sustainable Finance Guernsey Podcast","title":"Closing the protection gap – financing resilience via insurance innovation","html":"","width":"100%","height":180,"duration":2470,"description":"In this episode, host Ben Perfitt speaks with Stephanie Race, CEO of Earth Analytics Group (EAG), about how risk reduction through property hardening and nature-based solutions can lower exposure, reduce risk and unlock capacity in difficult-to-insure property markets such as California wildfire. Stephanie explains how EAG is delivering solutions to improve resilience across regions by reducing expected losses through targeted adaptation projects, which lower physical vulnerability, support insurability and improve the economics of risk transfer. \nThey also discuss how EAG is developing innovative structures with real estate investors and property developers that leverage alternative risk finance, such as captives and catastrophe bonds, that finance adaptation and resilience, expanding the window of insurability, making coverage available and affordable in post disaster communities.   They discuss how with the right mix of adaptation measures, clearer appraisal standards, and market incentives that reward risk reduction, further improvement can be supported in global insurance coverage even as exposure rises. \nLearn more about Earth Analytics Group here Connect with Ben on LinkedInConnect with Stephanie on LinkedInFollow Guernsey Finance on LinkedInFollow Guernsey Finance on Instagram","thumbnail_url":"https://img.transistorcdn.com/FLTBomYe3xXM_9z3Fhiq8e4mZ0-nND8yabeYyIDs2Mc/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9zaG93/LzEyMjcyLzE2NzU3/ODY1MjgtYXJ0d29y/ay5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}