Thus. I happened to work with a former Allianz-employed mathematician once (the wonders of working around Munich). Insurances are very good in calculating risks

Thus. I happened to work with a former Allianz-employed mathematician once (the wonders of working around Munich). Insurances are very good in calculating risks, and if the numbers don't work out anymore, you will see it immediately in premiums. That is all there is. In a sense, you can se the impact of climate change in insurance premiums. Including the math behind those risks. And the insurance industry doesn't have the reputation of being anything but profit driven.