Electricity disruption
Production stops. Temperature-controlled goods are threatened. Logistics and customer commitments are disrupted.
Businesses depend on complex networks of infrastructure, suppliers, resources and services. These connections create vulnerabilities that are difficult to see through conventional risk assessments alone.
As these systems become more interconnected, understanding individual risks is no longer enough. Brokers need to understand how risks connect, how disruption propagates and where their clients are vulnerable.

Production stops. Temperature-controlled goods are threatened. Logistics and customer commitments are disrupted.
A delayed shipment becomes a supplier failure, then a production constraint across several otherwise unrelated industries.
Infrastructure, suppliers, employees and customers can be affected at the same time — creating correlated operational and insured exposure.
The visible incident is only the beginning. NIRI is designed to make the network behind it easier to understand.
NIRI has the potential to create value for brokers at multiple levels — from individual client relationships to portfolio-wide risk insight. The commercial opportunity is to uncover needs that conventional renewal-led broking may miss.
Give clients insight into vulnerabilities they may not have identified themselves. Become a more relevant, informed and strategic adviser.
Identify potential demand for resilience assessments, risk engineering, business continuity, supply-chain analysis and specialist risk management.
Reveal changing or previously unrecognised exposures that may require a different insurance structure, additional protection or alternative risk transfer.
Identify shared dependencies and potential accumulation across clients, while protecting confidential information through appropriate aggregation and anonymisation.
Stronger relationships. More relevant advice. More informed opportunities to provide specialist services and insurance.
Insurance has traditionally played a critical role in helping businesses recover from losses. The changing risk environment creates an opportunity to do more.
NIRI is intended to help brokers identify vulnerabilities before disruption occurs. The objective is not to replace insurance — it is to make insurance advice more informed, relevant and connected to the real risks businesses face.
NIRI’s ambition is to connect information across the systems that underpin business activity. Its differentiator is not a collection of unrelated risk tools, but a way to understand the connections between them — and their potential operational and insurance consequences.
A conceptual view of NIRI’s wider approach. The depth of analysis available in the current demonstration is specific to its illustrative electricity infrastructure scenario.
The same underlying approach could be applied across different industries, clients and risk scenarios. These areas describe the wider scope and potential of the NIRI concept, not capabilities that are all fully developed or independently validated today.
Physical infrastructure resilience
Energy security
Climate and environmental disruption
Supply-chain vulnerability
Geopolitical and trade disruption
Industrial and economic resilience
Critical infrastructure dependencies
Portfolio accumulation and systemic risk
Explore how deeper risk intelligence could change the way brokers understand their clients, advise on resilience and develop insurance solutions.
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