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Despite all efforts made in terms of climate protection, the advance of climate change is unstoppable according to many scientists. The planet has never been hotter in recorded history and it continues to increase in temperature by just over 1 degree Celsius, or about 2 degrees Fahrenheit on an annual basis, as recorded by NASA’s Goddard Institute for Space Studies. The effects of this increase in temperature are being felt everywhere.

Rising temperatures are fueling more frequent and severe natural hazards including longer and hotter heat waves, droughts, more severe wildfires, intense rainfall events, and more powerful hurricanes. The impacts of global warming are far-reaching, harming people and property around the globe. 

The Greenhouse Effect – Why Temperatures Are Rising

  • Global warming occurs when carbon dioxide (CO2) and other air pollutants collect in the atmosphere and absorb sunlight and solar radiation that have reflected off the earth’s surface. 
  • These pollutants can last for years to centuries in the atmosphere, which traps heat in the atmosphere causing the planet to get hotter, known as the greenhouse effect. 
  • The current era of global warming is directly attributable to human activity—specifically to our burning of fossil fuels such as coal, oil, gasoline, and natural gas, which results in the greenhouse effect.
  • Scientist agree that the impact of the greenhouse effect is causing more severe natural catastrophes across the globe.   

Download Our Climate Change Resources from Chubb Risk Engineering Services

Learn more about climate change and our resources that can help protect your business. 

Climate Change and Extreme Weather

While no business is immune to the impacts of global warming, below are resources to help mitigate risk and recover from an event, should one occur.

Wildfires & Droughts

The effects of climate change on increasing temperatures, decreased precipitation levels, and decreased soil moisture have increased the fire season and acres at risk.

Extreme Cold Weather Events

Climate change has caused the polar vortex to weaken allowing cold air to spill over and into traditionally warmer regions, leading to unexpected extreme cold temperatures. 

Hurricanes, Windstorms & Floods

The United States has seen unprecedented weather and climate disasters that have been costlier and deadlier in the past five years. 


Due to global warming, hailstorm likelihood has increased, enabling the formation of larger hailstones. 

What Global Warming Means for You and Your Business?

Climate change challenges the resiliency and stability of your business, from property damage to supply chain disruptions. A strong and proven business continuity plan is more critical than ever. Implementing a plan provides a framework for returning to normal business operations, which helps make your company less vulnerable to unexpected events. 

Before an event strikes invest time in your business continuity plan, for more resources click here.



This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.