In this episode of Earthlings 2.0, we sit down with Bill Clark, former CEO and President of the Demex Group, to explore how climate change is reshaping the insurance industry. As extreme weather events grow more frequent and unpredictable, traditional insurance models are struggling to keep up with the scale and type of risks they must cover. Bill shares how Demex is creating new ways to assess and price risk, particularly around secondary perils like severe storms, floods, and wildfires — events that don’t always make headlines but drive significant losses. The conversation also unpacks the critical role of reinsurance in spreading risk, the slow pace of industry adoption of new models, and why advanced data modeling is key to building financial resilience in a warming world.