Harvesting Opportunity Exploring Crop (Re)Insurance Risk in India 02

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Harvesting Opportunity Exploring Crop (Re)Insurance Risk in India 02 Emerging Risk Report 2018 Society & Security Harvesting opportunity Exploring crop (re)insurance risk in India 02 Lloyd’s of London disclaimer RMS’s disclaimer This report has been co-produced by Lloyd's for general This report, and the analyses, models and predictions information purposes only. While care has been taken in contained herein ("Information"), are generally based on gathering the data and preparing the report Lloyd's does data which is publicly available material scientific not make any representations or warranties as to its publications, publications from Indian Government, accuracy or completeness and expressly excludes to the insurance industry reports, unless otherwise mentioned maximum extent permitted by law all those that might (data sources will be provided) along with proprietary otherwise be implied. Lloyd's accepts no responsibility or RMS modelled data and output and compiled using liability for any loss or damage of any nature occasioned proprietary computer risk assessment technology of Risk to any person as a result of acting or refraining from Management Solutions, Inc. ("RMS"). The technology acting as a result of, or in reliance on, any statement, and data used in providing this Information is based on fact, figure or expression of opinion or belief contained in the scientific data, mathematical and empirical models, this report. This report does not constitute advice of any and encoded experience of scientists and specialists kind. (including without limitation: earthquake engineers, wind engineers, structural engineers, geologists, © Lloyd’s 2018. All rights reserved. seismologists, meteorologists, geotechnical specialists and mathematicians). As with any model of physical About Lloyd’s systems, particularly those with low frequencies of occurrence and potentially high severity outcomes, the Lloyd's is the world's specialist insurance and actual losses from catastrophic events may differ from reinsurance market. Under our globally trusted name, we the results of simulation analyses. Furthermore, the act as the market's custodian. Backed by diverse global accuracy of predictions depends largely on the accuracy capital and excellent financial ratings, Lloyd's works with and quality of the data used by RMS. a global network to grow the insured world – build the resilience of local communities and strengthening global The recipient of this Information is further advised that economic growth. RMS is not engaged in the insurance, reinsurance, or related industries, and that the Information provided is With expertise earned over centuries, Lloyd's is the not intended to constitute professional advice. RMS foundation of the insurance industry and the future of it. specifically disclaims any and all responsibilities, Led by expert underwriters and brokers who cover more obligations and liability with respect to any decisions or than 200 territories, the Lloyd’s market develops the advice made or given as a result of the information or use essential, complex and critical insurance needed to thereof, including all warranties, whether express or underwrite human progress. implied, including but not limited to, warranties of non- infringement, merchantability and fitness for a particular purpose. In no event shall RMS (or its parent, subsidiary, or other affiliated companies) be liable for direct, indirect, special, incidental, or consequential damages with respect to any decisions or advice made or given as a result of the contents of this information or use thereof. ©2018 Risk Management Solutions, Inc. All rights reserved. About RMS RMS is the world’s leading catastrophe risk modelling company, creating a more resilient and sustainable global society through a better understanding of catastrophic events. From earthquakes, hurricanes, and floods, to terrorism and infectious disease, RMS helps financial institutions and public agencies understand, quantify, and manage risk. Harvesting opportunity – exploring crop (re)insurance risk in India 03 Key contacts About the authors Trevor Maynard, Lloyd’s Alice Stuart-Menteth, PhD, is a consultant to Risk Head of Innovation Management Solutions. She holds a PhD in [email protected] Oceanography from the University of Southampton. Alice joined RMS in 2005 and more recently has worked as a Olivier Bode, RMS consultant to the company. Alice has been responsible Global Agricultural Risks Product Manager for the product management of several RMS European [email protected] climate hazard models and more recently has been involved in RMS Asia-Pacific models, including the India For general enquiries about this report and Lloyd’s work Agriculture Model. Prior to joining RMS, Alice worked for on innovation, please contact [email protected] WeatherXchange Ltd, originally a U.K. Met Office joint venture weather derivatives business. Auguste Boissonnade, PhD, is a Vice President at Risk Management Solutions. He has more than 30 years of practical experience in developing natural catastrophe risk models around the world. Auguste collaborated with RMS in 1992 where he was the original architect of the RMS hurricane loss models and later led the technical development of the RMS weather derivatives risk products and of agriculture risk models in southeast Asia. Auguste led several technical teams for the development of various RMS climate and wildfire hazard models as well as economic post event loss amplification models. Before joining RMS, Auguste was a project leader at Lawrence Livermore National Laboratory and consulting professor at Stanford University. Christine Ziehmann, PhD is a Vice President at Risk Management Solutions. She holds a PhD in meteorology from the Free University of Berlin on the topic of chaos and predictability of weather. Christine joined RMS in 2001 as a modeller to build Climetrix®, RMS’ online and real-time weather derivative pricing and portfolio management application. She has had various roles in RMS and is now responsible for the product management of climate hazard models such as typhoon and flood in the Asia Pacific regions. Olivier Bode, MEng/MSc, is the product manager of Global Agricultural Risks at Risk Management Solutions. He is an agricultural bioengineer, with over 15 years of managerial experience, specialised in agriculture, risk governance, climate change adaption and natural resource management. Olivier has a BSc and MSc in Agricultural Bioengineering (1998) at the Université Libre de Bruxelles, and then studied a MBA at the Haute Ecole Groupe ICHEC (1999). He worked several years for the Ministry of Agriculture in Chile as a Regional Irrigation Program Coordinator. He then founded his own companies in Chile. Olivier recently returned to university with an MSc in Environmental Technology at Imperial College London and he is completing a PhD at the Imperial College London on climate change risks and uncertainty for crop production and agricultural supply chains. Harvesting opportunity – exploring crop (re)insurance risk in India 04 Acknowledgements The following people were interviewed, took part in workshops or roundtables, or commented on earlier RMS project team and area of expertise drafts of the report; we would like to thank them all for − Harvinder Singh, Principal Engineer, Agriculture their contributions: Models, India − Rakesh Chandra Joshi, Agriculture Modeler and GIS Insurance industry interviews and consultation specialist, India − Dominic Oldridge, AEGIS London − Kuntal Singh, Agriculture Risk Modeler, UK − Mahesh Ambadas Shinde, Senior Climate Modeler, − Kishor Gohil, DVKA Consultants Limited London UK India − David Gregori, Canopius − John Brierly, Model Product Management, UK − Bob Mellor, MS Amlin − Hemant Nagpal, Director, Asia-Pacific Model Product − Dominic Stoffel, MS Amlin Management, Singapore − Shilpa Pankaj, Guy Carpenter − Vikas Wadhera, Director, Asia-Pacific Model Product − Christopher Coe, Aon Management, India − Salah Dhouib, Liberty Specialty Markets − Shweta Shanker, Senior Software Engineer, Agriculture − Tom Philp, XL Catlin Models, India− Maurizio Savina, Director, India and − Joji Mathew, XL Catlin Europe Flood Product Manager, Switerland − Xianglong Gan, Renaissance Re − Navin Peiris, Senior Director, Model Development, UK − Teddy Wong, Ironshore − Laurent Marescot, Senior Director, Model Product − Anil Bhargava, Ironshore Management, Switzerland Further thanks go to the following for their expertise, Lloyd’s project team feedback and assistance with the study: − Dr Trevor Maynard, Innovation − Dr Keith Smith, Innovation Lloyd’s Market Association − Anna Bordon, Innovation − Mel Goddard, Market Liaison & Underwriting Director − Elaine Quek, Marketing and Communications − Patrick Davison, Manager, Property, Reinsurance and − Linda Miller, Marketing and Communications Delegated Underwriting − Flemmich Webb, Speech and Studies − Shankar Garigiparthy, Country Manager & CEO, Lloyd’s Lloyd’s India − Shruti Sharma, Market Intelligence − Irene Dang, International Regulatory Affairs − Eleanor Gibson, Class of Business Underwriting Performance − Nigel Ralph, former Class of Business Underwriting Performance Harvesting opportunity – exploring crop (re)insurance risk in India Executive summary 05 Contents Executive summary ............................................................................................................................................................... 6 Introduction ........................................................................................................................................................................
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