IT Products for Climate Resilience Qorus-NTT DATA Innovation in Insurance Awards 2026

Digital transformation and technological innovation have been a key pillar of our social sustainability and inclusion program. At Zurich, we have embraced a “Tech‑powered, Business‑led” approach to address the protection gap against climate risks, particularly for SMEs and companies located in vulnerable areas. The challenge was clear: 24% of our portfolio is exposed to business interruption caused by extreme weather events, and 75% of locations lacked business interruption coverage.

To address this, we have developed and deployed a suite of advanced technological solutions that enable proactive, tailored identification, analysis, and mitigation of climate risks:

• Cat Risk Insights (Zurich Resilience Solutions):
  A geospatial analytics platform that categorizes each location in the portfolio based on its exposure to natural hazards (floods, earthquakes, wildfires). This tool provides real‑time risk mapping and helps prioritize protection and advisory actions.

• Climate Spotlight Core & Expert:
  A modular climate‑risk assessment solution capable of analyzing full portfolios or individual locations. It integrates more than 10 climate hazards, four time horizons (current, 2030, 2060, 2090), and SSP scenarios defined by the IPCC. The system produces criticality and vulnerability rankings and recommends physical, organizational, and risk‑transfer adaptation measures.

• Digitalization of training and advisory services:
  The rollout was carried out through corporate digital channels (intranet, Workplace, Z‑Net, social networks) and collaborative platforms, enabling unprecedented reach and inclusive access to content, practical cases, and real‑time Q&A.

• Dashboards and metrics:
  Monitoring dashboards (TNPS, retention, cross‑selling, GWP) have been implemented to track the impact of training and advisory services on financial performance and on both customer and distributor experience.

Employee and broker experience has been transformed through access to these tools, which enable informed decision‑making and personalized advice. The efficiency gains are reflected in reduced duplications, improved data quality, and faster claims handling, all supported by state‑of‑the‑art technology.