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One climate-change related threat insurers say is worth watching—and losing some sleep about: Class-action suits against carbon-based energy companies, accusing them of causing global warming and therefore being liable for the resulting damages.

Perhaps the most famous court case on this issue is Kivalina vs. ExxonMobil, et. al., which pitted a small Alaskan fishing village with 390 residents against two dozen of the country’s largest oil and gas companies.   

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