For Consumers

The insurance commissioner’s work on climate risk and insurance

How will insurance be affected by climate change?

National and international climate work

Commissioner Kreidler chairs the National Association of Insurance Commissioners’ (NAIC) Climate Risk and Resilience Working Group ( The group’s goals include:

  • Engaging with industry and stakeholders in the U.S. and abroad on climate related risk and resiliency issues.
  • Investigating and recommending measures to reduce risks of climate change related to catastrophic events.
  • Identifying insurance and other financial mechanisms to protect infrastructure and reduce exposure to the public.

    In 2016, the OIC joined the UNEP’s Sustainable Insurance Forum (SIF), a network of insurance supervisors and regulators working together to strengthen their response to relevant sustainability challenges. 

    In 2015, the OIC:

    Commissioner Kreidler also participates in the following international sustainable insurance organizations:

    In June 2020, Insurance ERM named Commissioner Kreidler an insurance industry leader on climate change (

    Evaluating insurers' climate risk

    The OIC led a national work group that developed the guidance for other state regulators to use when they evaluate insurers’ climate change risks and investments during financial examinations. The changes were implemented in 2015. 

    Since 2010, the OIC has partnered with other states to require insurers with a certain dollar amount of premiums to reply to a survey regarding their preparedness to address climate change risks.

    The California Department of Insurance coordinates the survey responses and publishes the results on its website. View its Climate Risk Disclosure ( webpage.