O impacto das mudanças climáticas no setor de resseguros

Abstract

This study aims to analyze the impacts of climate change on the reinsurance sector, identifying the challenges and opportunities arising from the increasing frequency and intensity of extreme weather events and the resulting changes in insurable risk profiles. It is based on the hypothesis that the intensification of environmental disasters requires the restructuring of actuarial and regulatory practices to ensure the technical and financial sustainability of the reinsurance market. The research is justified by the growing relevance of climate-related risks and the need for insurers and reinsurers to adapt to new environmental and economic conditions. Methodologically, the work employs a qualitative approach through doctrinal, legislative, and regulatory analysis, combined with the review of technical reports and statistical data from SUSEP and international institutions. The results indicate that reinsurance plays a key role in mitigating the economic effects of environmental catastrophes, ensuring the social function of insurance and maintaining the stability of the National Private Insurance System. It concludes that strengthening sustainability policies, innovating risk modeling, and developing climate-oriented financial products are essential to enhance the resilience of the reinsurance market in the face of climate change