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When it comes to tackling climate change, insurance companies are in a position to lead the business world in the right direction.

Positive change happens when insurers tackle societal risk head-on. Now, global warming serves up the industry's greatest ever mitigation challenge.

Chinese search engine company Baidu Inc. is already beginning to apply artificial intelligence to insurance and loan underwriting.

The highest ranking for a technological risk was cyber-attack, which came in 11th place for both likelihood and impact, though it was seen as the greatest risk to doing business in North America.

Fiscal crises and unemployment, underinvestment in infrastructure, especially in energy and agriculture, and chronic disease were identified as the upcoming areas of risk by the World Economic Forum.