The Impact of environmental, social and governance risks on insurance ratings

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      <subfield code="a">Environmental, social, and governance (ESG) risks are of increasing importance to insurance regulators, investors and customers worldwide. In this report, we define these three distinct but related types of risk, and explain how we incorporate them in our insurance ratings. Climate change-driven weather events, social pressures such as increased regulatory focus on treating customers fairly, and governance issues potentially leading to significant fines or reputational damage, can all affect insurers' ability to meet their financial obligations.</subfield>
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