Physical Climate Risk Use Cases
Scale & Automate
Climate Risk Assessments
Integrate climate risk into your decision-making across operational areas.
For the first time, conduct physical risk assessments from your desk - and quantify financial impact instantly, with defensible, granular data on-demand.
Read on to see use cases for your specific industry or try for yourself and create an account below.
Find out how Spectra is transforming risk assessments in your industry:
End-to-end enterprise risk software for consistent
climate risk data across Banking functions.
Identify, assess and manage physical risk at asset and portfolio levels. Quantify exposure, P&L impacts, and potential business disruption.
Originations
Stress Testing
Compliance
Integrate climate risk into due diligence and pricing for loan origination.
Assess climate impacts on credit, market and liquidity risk.
Align your risk management practices with regulations and requirements.
Autonomous
Integrate climate risk into due diligence and pricing for loan origination.
Convenient
Access data directly through our self-serve platform, with asset-level financial loss projections on demand and seamless system integration.
Reportable
Export data for Annual reports, ICAAP, ISSB, ECB, CSRD, EU Taxonomy and other statements.
Secure
Move with confidence, and make stronger decisions informed by fully visible risk.
Comprehensive
Stress test your whole portfolio in seconds, across a range of time horizons, hazards and geographies.
Straightforward
Share financial risk assessments easily with your ready-made, downloadable report.
Vigilant
Stay alert to vulnerabilities in your portfolio. Spot risk early and understand de-risking opportunities.
Defensible
Transparent, defensible methodology aligned with MRM principles.
Climate risk analysis for
the full Investment Cycle.
Integrate physical risk and adaptation assessments throughout the Investment Cycle, to preserve value and de-risk at the asset and portfolio levels.
Due Diligence
Portfolio Management
Compliance
Understand climate’s direct financial implications for property values, and secondary costs such as insurance.
Quantify your portfolio’s exposure to risk and benchmark it against regional performance.
Align your risk management practices with regulations and requirements.
Autonomous
Integrate climate risk into due diligence and pricing for loan origination.
Convenient
Access data directly through our self-serve platform, with asset-level financial loss projections on demand and seamless system integration.
Reportable
Export data for Annual reports, ICAAP, ISSB, ECB, CSRD, EU Taxonomy and other statements.
Rapid Action
Assess physical risk in the acquisition phase and across teams. Close deals quickly and independently.
Adapt Strategically
Discover vulnerabilities then use Adapt to assess mitigation options, de-risking assets and safeguarding their value, safety and functionality.
Streamline Reporting
Simplify Internal reporting, ESG reports and Annual Reports with data on demand.
Bold Decision-Making
Grasp market opportunities fast, completing due diligence in minutes. Accelerate strategic decisions with on-demand data access, allowing you to close more transactions and grow revenue.
Intelligent Investment Planning
Integrate climate impacts into your fund strategy with a comprehensive view of risk. Understand potential effects on insurance, taxes, mortgage rates, tenant dynamics, and leases.
Instant Output
Share financial risk assessment easily with your ready-made, downloadable report.
Leverage Defensible Data
Understand where your figures are coming from thanks to fully transparent methodology.
Pioneering climate risk assessment
for the future of insurance.
Make forward-looking risk visibility a foundation of your business resilience.
Underwriting
Strategic Planning
Loss Mitigation
Support effective and accurate pricing for new business.
Integrate forward-looking risk analysis into CAT modelling for a comprehensive view.
Protect business and ease consumer pressure.
Insightful
Gain an immediate view of assets with potential losses higher than 10%. Understand asset-specific financial losses, for accurate, competitive policies that support new revenue streams.
Future-facing
Enhance your understanding of risk across a range of future scenarios with robust, forward-looking methodology.
Far-Sighted
Guard against financial and reputational loss. Prevent financial shocks from unforeseen claims by systematically assessing physical risk.
Innovative
Develop new products and dedicated policies, evaluating adaptation measures from a desktop app.
Rapid & Comprehensive
Export on-demand data or use seamless workflow solutions to assess hazards in seconds across multiple hazards, locations and time horizons.
Banking & Financial Services:
End-to-end enterprise risk software for consistent climate risk data across Banking functions.
Identify, assess and manage physical risk at asset and portfolio levels. Quantify exposure, P&L impacts, and potential business disruption.
Originations
Integrate climate risk into due diligence and pricing for loan origination.
Autonomous
Integrate climate risk into due diligence and pricing for loan origination.
Secure
Move with confidence, and make stronger decisions informed by fully visible risk.
Stress Testing
Assess climate impacts on credit, market and liquidity risk.
Convenient
Access data directly through our self-serve platform, with asset-level financial loss projections on demand and seamless system integration.
Comprehensive
Stress test your whole portfolio in seconds, across a range of time horizons, hazards and geographies.
Vigilant
Stay alert to vulnerabilities in your portfolio. Spot risk early and understand de-risking opportunities.
Compliance
Align your risk management practices with regulations and requirements.
Reportable
Export data for Annual reports, ICAAP, ISSB, ECB, CSRD, EU Taxonomy and other statements.
Straightforward
Share financial risk assessments easily with your ready-made, downloadable report.
Defensible
Transparent, defensible methodology aligned with MRM principles.
Real Estate / Asset Management:
Climate risk analysis for the full Investment Cycle.
Integrate physical risk and adaptation assessments throughout the Investment Cycle, to preserve value and de-risk at the asset and portfolio levels.
Due Diligence
Understand climate’s direct financial implications for property values, and secondary costs such as insurance.
Autonomous
Integrate climate risk into due diligence and pricing for loan origination.
Rapid Action
Assess physical risk in the acquisition phase and across teams. Close deals quickly and independently.
Bold Decision-Making
Grasp market opportunities fast, completing due diligence in minutes. Accelerate strategic decisions with on-demand data access, allowing you to close more transactions and grow revenue.
Portfolio Management
Quantify your portfolio’s exposure to risk and benchmark it against regional performance.
Convenient
Access data directly through our self-serve platform, with asset-level financial loss projections on demand and seamless system integration.
Adapt Strategically
Discover vulnerabilities, then use Adapt to assess mitigation options, de-risking assets and safeguarding their value, safety and functionality.
Intelligent Investment Planning
Integrate climate impacts into your fund strategy with a comprehensive view of risk. Understand potential effects on insurance, taxes, mortgage rates, tenant dynamics, and leases.
Compliance
Align your risk management practices with regulations and requirements.
Reportable
Export data for Annual reports, ICAAP, ISSB, ECB, CSRD, EU Taxonomy and other statements.
Streamline Reporting
Simplify Internal reporting, ESG reports and Annual Reports with data on demand.
Instant Output
Share financial risk assessment easily with your ready-made, downloadable report.
Leverage Defensible Data
Understand where your figures are coming from thanks to fully transparent methodology.
Insurance:
Pioneering climate risk assessment for the future of insurance.
Make forward-looking risk visibility a foundation of your business resilience.
Underwriting
Support effective and accurate pricing for new business.
Insightful
Gain an immediate view of assets with potential losses higher than 10%. Understand asset-specific financial losses for accurate, competitive policies that support new revenue streams.
Innovative
Develop new products and dedicated policies, evaluating adaptation measures from a desktop app.
Strategic Planning
Integrate forward-looking risk analysis into CAT modelling for a comprehensive view.
Future-facing
Enhance your understanding of risk across a range of future scenarios with robust, forward-looking methodology.
Rapid & Comprehensive
Export on-demand data or use seamless workflow solutions to assess hazards in seconds across multiple hazards, locations and time horizons.
Loss Mitigation
Protect business and ease consumer pressure.
Far-Sighted
Guard against financial and reputational loss. Prevent financial shocks from unforeseen claims by systematically assessing physical risk.
Explore Spectra’s applications
Talk to our experts today
You're just a step away from accessing your personalized, free demo of our climate risk management platform, Spectra.
- Discover how Spectra effortlessly integrates physical risk assessments across your operations.
- Engage directly with our product experts to get immediate answers to any questions you may have.
- Dive into real success stories demonstrating how Spectra helps firms assess the financial impacts of climate change, increase competitiveness, and achieve much more.
