LIFE DERRIS - DERRIS - DisastEr Risk Reduction InSurance

LIFE14 CCA/IT/000650

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Contact details:

Project Manager: Marjorie Breython
Tel: 390515072375
Email: marjorie.breyton@unipolsai.it

Project description:


The recent increase in the frequency of extreme weather events showed how limited is the limitations of the public administration (PA) in terms of prevention and management of risks and emergencies.

Many small and medium-sized enterprises (SMEs) lack adequate skills in risk assessment and risk management. In cases where risk management plans do exist, such plans rarely take weather events into consideration (Ace European Risk Briefing, 2012).

These factors imply that the economy and society in general are increasingly vulnerable to climate change. And since most SMEs in Italy are located in urban areas, the risk is even greater.

Insurance companies have the know-how, the experience, and the tools to evaluate risks related to climate change and to implement specific interventions that could reduce consequent damage and losses. Urban adaptation processes could be highly improved in the Italian context through a partnership between the public sector, SMEs and insurance companies, which could significantly improve urban adaptation processes in Italy.


LIFE DERRIS project set out to:

  • transfer knowledge of how to assess and manage risks caused by catastrophic weather events from insurance companies to public administrations and SMEs. This would create resilient companies and boost the implementation of effective local climate change adaptation plans;
  • disseminate evaluation tools and skills for risk prevention developed by the insurance industry among public administration bodies and SMEs;
  • implement innovative forms of public-private governance for climate catastrophes, involving SMEs, public administrations and insurance companies. These would be consistent with European guidelines (the EU Adaptation Strategy and Green Paper on the insurance of natural and man-made disasters) and favour the regulatory approach already undertaken by several European countries; and
  • test the adoption of innovative financial instruments (e.g. impact investment) as novel adaptation solutions.

  • Results

    The LIFE DERRIS project successfully tested an innovative model of public-private partnership between insurers, public administrations and SMEs to increase urban resilience to climate change, including through risk reduction tools for SMEs. Specific actions included:

    • risk assessment/risk management training for 296 people from SMEs and public authorities in Turin and 10 other cities in Italy;
    • development of a Climate Risk Assessment and Management (CRAM) Tool to help enterprises to identify adaptation measures that they should implement to enhance resilience. After trials with 30 companies in Turin, this was rolled out to more than 3 800 companies across Italy, of which more than 300 calculated their firm's risk index;
    • creation of 128 company adaptation action plans (CAAPs), which outlined a great number of specific steps the participating companies could take to cope with floods, drought, high temperatures, high winds and other extreme weather events;
    • development and implementation in part of Turin of a new governance model for climate risk management, the Integrated District Adaptation Plan. This public-private partnership was subsequently formalised through local and national after-LIFE agreements;
    • provisionof access to credit (through Unipol) for companies that have a CAAP in place, to favour the implementation of resilience measures; and
    • guidance to enable other insurance and financial services companies to replicate the innovations proposed by the project.
    • The municipalities of Milan, Avigliana and Almese agreed to replicate the measures introduced by LIFE DERRIS in Turin. Most of the tools developed by the project will be shared on the Climate-ADAPT platform to facilitate uptake by cities and towns ready to produce their own Adaptation Strategy but also the cities already committed to the Mayors Adapt Initiative across Europe.

      The sustainability of project results and the continuation of initiatives after the end of LIFE funding will be guaranteed by the broad Unipol and partners network, which includes clients, associates and professionals with about 1 million SMEs, 10 000 local insurance agencies and 350 municipalities. Unipol will maintain its online adaptation platform and DERRIS Community, and together with CINEAS, it will continue to train companies to use the CRAM tool.

      Further information on the project can be found in the project's layman report and After-LIFE Communication Plan (see "Read more" section).


Environmental issues addressed:


Information - Governance - Market based instruments
Risk management - Risk assessment and monitoring
Climate change Adaptation - Resilient communities
Climate change Adaptation - Sectoral adaptation (industry-services)


risk assessment‚  financial instrument‚  climate change adaptation‚  risk management

Target EU Legislation

  • Climate Change & Energy efficicency
  • COM(2011)112 - "A Roadmap for moving to a competitive low carbon economy in 2050" (08.03.2011)
  • COM(2013)216 - EU Strategy on adaptation to climate change (16.04.2013)
  • Water
  • Directive 2007/60 - Assessment and management of flood risks (23.10.2007)

Natura 2000 sites

Not applicable



Type of organisation Large enterprise
Description Unipol is an Italian financial group, which has its headquarters in Bologna. It is a business leader in the field of motor vehicle liability insurance, as well as supplementary pension schemes and the health sector.
Partners TORINO(CITTA' DI TORINO), Italy ANCI(Associazione Nazionale Comuni Italiani), Italy CA21L(Coordinamento Agende 21 Locali Italiane), Italy UnipolSai(UnipolSai Assicurazioni), Italy CINEAS(Consorzio Universitario per l'ingegneria nelle assicurazioni), Italy


Project reference LIFE14 CCA/IT/000650
Duration 01-SEP-2015 to 30-SEP -2018
Total budget 1,317,166.00 €
EU contribution 790,299.00 €
Project location Emilia-Romagna(Italia)


Read more:

Leaflet Leaflet of the project (Italian version)
Project web site Project's website
Publication: After-LIFE Communication Plan After-LIFE Communication Plan (Italian version)
Publication: Case study Catalogo di casi studio
Publication: Layman report Layman report
Publication: Technical report Strumenti finanziari per l'addatamento
Publication: Technical report Report di assessment di distretto
Publication: Technical report Project's Final technical report
Video link Project's video [IT - 1'38]
Video link Project's video 2 [EN - 3']


Project description   Environmental issues   Beneficiaries   Administrative data   Read more   Print   PDF version