Risk Futures Lab

Shaping tomorrow’s risk landscape, today

The Risk Futures Lab is where insurers, reinsurers, brokers, investors and tech ventures come together to reimagine risk.

From climate resilience to AI ethics, from cyber threats to health and longevity, we turn complex challenges into scalable opportunities.

Want to join the Lab? Let's Talk

Why the Risk Futures Lab exists

A growing protection gap

In 2024, disaster events caused USD 318 billion in economic losses. Only 43% were insured, leaving a USD 181 billion protection gap (57% uninsured). Traditional models are no longer enough.

The Opportunity... Close the protection gap with modern risk solutions (parametric and micro‑covers, climate risk analytics, public‑private risk pools, resilience‑linked finance) that expand insurability and speed recovery.

At the Risk Futures Lab, our ultimate goal is to help carriers, reinsurers, capital providers and cities co‑design and pilot gap‑closing products—using advanced hazard/vulnerability analytics, event triggers (parametric), and outcome metrics that demonstrate societal impact and business growth.

Rising risk complexity

Climate change, cybercrime, demographic shifts and workforce transformation are converging, creating systemic risks that demand systemic solutions and multistakeholder cooperation.

The Opportunity... Build integrated resilience: cross-enterprise risk intelligence that links climate, cyber, supply-chain, and societal risks. This means that we must evaluate shared data standards, stress-tested playbooks, and governance for AI, misinformation, and third-party exposure.

At the Risk Futures Lab, we convene public-private coalitions and run scenario-led design sprints to map interdependencies, prototype system-level interventions (e.g., resilience credits, data-sharing frameworks), and publish board-ready roadmaps that convert complexity into coordinated action.

A first-mover advantage

Every $1 invested in resilience saves $13 in future economic damage and cleanup costs. The winners will be those who act early, not late.

The Opportunity... Turn preparedness into underwriting alpha and new revenue: earlier loss‑avoidance, better capital efficiency, preferred regulatory and partner positioning and leadership in AI‑enabled risk services as investment flows toward data and automation.

At the Risk Futures Lab, our goal is to fast-track discovery-to-pilot for resilience solutions, quantify the Resilience ROI (losses avoided, productivity protected, and capital benefits), and align launch messaging so that first movers capture both mindshare and market share.

Our mission

To bridge the gap between emerging risk realities and actionable resilience. We empower insurers to anticipate, prevent, and insure the risks that matter most for tomorrow’s world.

What the Risk Futures Lab does

1 Catalyze systemic impact

Launch 10+ product pilots each year in climate, AI, cyber, and health.
Track innovation with a Resilience Innovation Index.
Scale 3+ validated ventures annually into the market.

2 Facilitate radical collaboration

Run quarterly Innovation Sprints with startups, corporates, and regulators.
Build a Digital Risk Collaboration Hub including 100+ members.
Align partners through proven venture-client frameworks.

3 Bridge theory to execution

Run scenario stress tests using the Four Futures of Risk framework.
Deliver resilience roadmaps and regulatory sandboxes.
Produce tech intelligence reports for insurers and investors.

4 Reframe insurance as a force for good

Co-develop resilience-first products (e.g., mitigation-linked parametrics).
Measure ESG impact in every project.
Publish annual State of Risk Co-Creation benchmarks.

Join the trillion-dollar opportunity

Risk is no longer just about loss—it’s a growth frontier. With climate resilience alone representing a $500 billion opportunity, the time to act is now.

Insurance Executives

Seeking to lead in resilience, compliance, and customer trust.

Tech Venture Founders

Aiming to scale solutions with real-world pilots and enterprise adoption.

Investors & Policymakers

Looking for data-driven foresight and practical collaboration platforms.

Shape the future of resilience. Capture tomorrow’s growth.

Want to join the Risk Futures Lab?

Meet the Advisory Board