We hear from businesses in California, Fiji and the UK that have been hit hard by natural disasters like floods, wildfires and extreme storms - followed by rising insurance premiums - or companies refusing to insure them at all.
An alternative type of cover, parametric insurance, is being offered as a way of giving people some cover. But does it work for everyone?
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Presented and produced by Lexy O'Connor
(Image: A view of flash flood in Daddu district southern Sindh province, Pakistan, on September 07, 2022. Credit: Farhan Khan/Anadolu Agency via Getty Images)