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Whatever insurers may think about the presence or causes of climate change, one thing is certain: the business climate is changing, and rapidly.

New technologies are entering the market for saving and supplying cleaner energy in buildings, transport, and industry—and insureds are adopting these “green” technologies left and right. Renewable energy investment around the world topped $257 billion in 2011 (80 percent of the investment in fossil fuel capacity), approaching half of all new electrical generating capacity globally. Energy efficiency and “green-buildings” have also become multi-billion-dollar markets, and growth is showing no signs of slowing.

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