Transition
Physical 
Operational risks
•	 Increase in extreme weather events and claims volume putting pressure on demand for specialized resources.
•	 Increased resources and efforts in the underwriting process.
•	 Increase in claims volume and extreme weather events putting pressure on claims handling processes.
•	 Increase in regulatory requirements, oversight efforts and disclosure requirements related to climate transition.
•	 Higher claim volumes and more extreme weather events are putting pressure on the supply chain that supports claims 
handling (partners, suppliers).
•	 Increase in disruptions to, or failures of, critical activities following extreme weather events.
•	 Increase in climate-related catastrophes leading to major losses, economic pressure on households and businesses, 
greater claim complexity and added strain on operational processes.
2025 – CSR SUMMARY 
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