能源获取保险：释放农村社区的经济韧性（英）

Insurance forenergy access:Unlocking economicresilience in ruralcommunities November 2025 Author Daniel McGree – Climate and Disaster Risk Actuary (FIA) Publication Project Leads Mateo Salomon, Maria Knodt, and Lauren Carter – UNDP Reviewers and Contributors For their guidance and support in this report, we extend our gratitude to Riad Meddeb (Director ofUNDP’s Sustainable Energy Hub), Sahba Sobhani (Director of UNDP Istanbul International Center forPrivate Sector in Development), and Dr. Şebnem Şener (Head of UNDP’s Private Finance for SDGs).A very special note of thanks to UNDP’s Churchill Agutu, Stephen Kansuk, Carlos Salgado, Rohini Kohli,Edgar Aguilar, Saurabh Sharma, Bitseat Zelleke, Mahenau Agha, and Andrea Renzulli for their reviewand expert insights. We also thank UNDP’s Caroline Tresise and Tabindah Anwar for their coordinationand support for the publication process. We extend our immense gratitude to our external reviewers, including Luc Severi, Sustainable Energyfor All (SEforALL); Eduardo Appleyard, Decarbonizing Humanitarian Energy; Prerna Sukhija and RenataHaseth, Bankers without Boundaries; Yann Tanvez, International Finance Corporation (IFC); BenjaminCurnier, African Development Bank (AfDB); Morgane Loisel, iGravity; Joel Sam, Acumen; Drew Corbyn,GOGLA; Vincent Wierda, UNCDF, for their valuable expertise and peer-review contributions. Copy editing Justine Doody Design Cristina Ottolini All photographs ©UNDP About UNDP UNDP is the leading United Nations organization fighting to end the injustice of poverty, inequality,and climate change. Working with our broad network of experts and partners in 170 countries,we help nations to build integrated, lasting solutions for people and planet. Learn more at undp.orgor follow at @UNDP. About UNDP’s Climate Promise UNDP’s Climate Promise is the UN system’s largest portfolio of support on climate action, workingwith more than 140 countries and territories and directly benefiting 37 million people. This portfolioimplements over US$2.45 billion in grant financing and draws on UNDP’s expertise in adaptation,mitigation, carbon markets, climate and forests, climate risk and security, and climate strategies andpolicy. Visit our website at climatepromise.undp.org and follow us at @UNDPplanet. About UNDP’s Insurance & Risk Finance Facility UNDP’s Insurance and Risk Finance Facility is charting new pathways to build resilience, incentivizegrowth and safeguard development. Housed within UNDP’s Sustainable Finance Hub, the Facilityis using insurance and risk transfer to increase the financial resilience of countries, communities,households, small businesses, farmers and nature. About UNDP’s Sustainable Finance Hub The UNDP Sustainable Finance Hub brings together UNDP’s financial expertise to harness public andprivate capital for the Sustainable Development Goals (SDGs) — supporting governments, investorsand businesses in reaching climate, social impact and sustainability targets. Its work drives systemicchange towards a sustainable financial architecture that benefits people and the planet. Find out moreabout its integrated services that ensure all finance is sustainable at sdgfinance.undp.org or follow@UNDP_SDGFinance. About this publication This report is co-developed by UNDP’s Climate Hub and UNDP’s Insurance and Risk Finance Facilityhoused within UNDP’s Sustainable Finance Hub. UN disclaimer The views expressed in this publication are those of the authors and do not necessarily represent thoseof the United Nations, including the UN Development Programme, or UN Member States. Copyright @UNDP 2025. All rights reserved. One United Nations Plaza, New York, NY 10017, USA. Table of Contents Executive summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 01 1.Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .041.1Objective of this assessment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .08 2.Stakeholder risk assessment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 2.1End users . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 102.2DRE companies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 162.3Financiers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .222.4Insurance companies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .252.5Governments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 3.Insurance product design. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36 3.1Methodology . . . . . . . . . . . . . . . . . . . . . . . .