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Assessment of climate risks impact on sustainability of Russian insurance market to 2030

Author

Listed:
  • C. E. Tourbina

  • A. P. Arkhipov

  • V. V. Lesnykh

  • O. A. Morozova
  • I. A. Skvortsov

Abstract

The article presents the methodology and results of the assessment of the impact of climate risks on the loss ratio of Russian insurance companies on the 2030 horizon based on the analysis and mathematical modeling of the expert opinions and statistical data published by scientific institutes of the Ministry of Emergency Situations of Russia. It is expected that in the worst-case scenario, loss ratio of insurance operations for basic types of insurance may increase by 18.15 p. p. only due to the influence of climate risks. The diversity of the expected increase of the loss ratio is not the same for different classes of insurance: in agricultural insurance it may increase by 44.6 p. p.; in motor casco insurance — by 23.3 p. p.; in householders insurance — by 20.8 p. p.; in life insurance, accident insurance and voluntary medical insurance — from 11.0 to 19.4 p. p.

Suggested Citation

  • C. E. Tourbina & A. P. Arkhipov & V. V. Lesnykh & O. A. Morozova & I. A. Skvortsov, 2026. "Assessment of climate risks impact on sustainability of Russian insurance market to 2030," Voprosy Ekonomiki, NP Voprosy Ekonomiki, issue 6.
    • Handle: RePEc:nos:voprec:y:2026:id:5847
    DOI: 10.32609/0042-8736-2026-6-97-117
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