Is your organization making appropriate decisions in the insurance marketplace? Hard markets impacting the public sector have dramatically increased the differential between market and technical rating factors. How could this impact your organization and what strategic decisions should be considered? This session will demonstrate the benefit of applying risk-based pricing factors to improve situational awareness and negotiations for insurance buyers through actuarial methodologies. Additionally, we will discuss modern analytical approaches for climate change vulnerability assessments. This will include a case study of TCFD (Task Force on Climate related Financial Disclosures) reporting standards.