More than a year on from the emergence of COVID-19, the insurance industry is continuing to feel the effects of the pandemic. The impact on the market has been deep and is likely to be lasting, even once the immediate threat from the pandemic subsides. The COVID-19 experience has posed difficult questions for the insurance industry, such as: What is the role of (private sector) insurance in the face of a systemic risk event where losses do not respect any geographical boundaries and permeate all aspects of commercial and private life? What does the COVID-19 experience tell us about how the insurance industry might best respond to the climate threat or cyber risks? What changes do we need to see in the market to adapt for the future?
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