---
title: "In response to climate change risks, catastrophe insurance weaves a dense \"safety net\" for disaster prevention and reduction"
description: "Catastrophe insurance, as an important tool for addressing the risks of natural disasters, is closely linked to environmental issues in ESG and plays a significant role in combating climate change. Cu"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/260801020.md"
published_at: "2025-10-12T22:56:01.000Z"
---

# In response to climate change risks, catastrophe insurance weaves a dense "safety net" for disaster prevention and reduction

> Catastrophe insurance, as an important tool for addressing the risks of natural disasters, is closely linked to environmental issues in ESG and plays a significant role in combating climate change. Currently, our country has implemented comprehensive catastrophe insurance pilot programs in more than 20 provinces, further strengthening the safety net for disaster prevention and reduction. However, catastrophe insurance still faces issues such as coverage gaps and limited scope. In the future, it is necessary to expand coverage, enhance technological empowerment, and improve risk diversification channels

Catastrophe insurance, as an important tool for addressing the risks of natural disasters, not only plays a role in providing insurance protection but is also closely linked to environmental issues within ESG, playing a significant role in combating climate change. Currently, comprehensive catastrophe insurance pilot programs have been implemented in more than 20 provinces in China, further strengthening the "safety net" for disaster prevention and mitigation. Industry insiders indicate that, from the current situation, China's catastrophe insurance still faces challenges such as a significant protection gap and limited coverage. To promote the development of catastrophe insurance, it is necessary to further expand its coverage, enhance technological empowerment, and improve risk diversification channels in the future. (China Securities Journal)

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> **Disclaimer**: This article is for reference only and does not constitute any investment advice.