The climate insurance gap is widening, and it’s leaving marginalized Canadians behind

By Anne E. Kleffner, Professor, Risk Management and Insurance, University of Calgary
Derek Cook, Director, Canadian Poverty Institute, Ambrose University
Mary Kelly, Chair in Insurance and Professor, Finance, Wilfrid Laurier University

Every year, extreme weather events wreak havoc across Canada, disrupting the lives of tens of thousands. Financial losses from these events have surged, surpassing $7 billion in 2024, due in part to climate change, asset accumulation and more people living in high-risk areas.

Evidence from Canada,…

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