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Impending disasters. Insurers are familiar with a host of existing risks, but new disasters still occur that can cause them to scramble for coverage and assess damages. The coronavirus is a perfect example. (Photo: Shutterstock)

With hurricanes, wildfires, tornadoes, floods, volcanic eruptions, earthquakes, cyber warfare and drought already making life difficult for insurers and reinsurers, they hardly need a new type of catastrophe to eat away at their capacity. Yet, every day it seems that some new type of disaster hits, causing insurers to scramble to find coverage and assess damages.

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