Business Interruption Insurance: When Circularity Pays Off

Enabling Circularity Through Insurance

How do circular practices enable better risk management and what's that means for insurance premiums?

Nadin-Shirin Zimmermann from Nexarus breaks down the business logic of insurance products and where circularity changes the equation. Before founding Nexarus, she spent years as a corporate underwriter at Allianz and XL Capital.

What you'll hear in this episode: • How business interruption insurance actually works and what drives the premium. • Why climate liability is a growing risk and how circular design reduces exposure. • What 10 years of research show about ESG-driven companies outperforming their peers.

Listen now to understand why staying linear may be the largest uninsurable risk a company faces.

This is the last episode in the series Enabling Circularity Through Insurance.

People Nadin-Shirin Zimmermann, Circular Business Activator at Nexarus https://www.linkedin.com/in/nadinzimmermann/

Patrick Hypscher, Circular Business Strategist, PaaS Expert https://www.linkedin.com/in/hypscher/

Chapters 0:00 Intro 0:40 The Role of Insurers in Enabling Business Transformation 11:50 Climate Liability - What's Affected by Circular Practices 15:16 Link Between Circularity and Risk Management 16:35 Understanding BI - Business Interruption Premium 17:22 Risk Management and Lower Premiums 20:17 Accumulated Risks Within the Supply Chain 24:40 ESG Role in Business Performance & 5 Reasons for Circular Practices 36:13 Outro

About Nexarus is a German circular-economy and strategy consultancy focused on the Mittelstand. It aims to help mid sized companies grow through circular business models, responsible value creation and decisions that strengthen long term competitiveness.

Its approach is built around connecting business reality with circular value creation and working alongside client teams rather than only advising from the outside. Nexarus also works with a network of partners across innovation, sustainability, compliance and circular economy, and stays in exchange with research and innovation ecosystems.

Further Links Get to know more about Nadin’s work: https://nexarus.de/

One-page Summary Sign-up for the Circularity.fm Newsletter and get a summary with the take-aways of this episode. Register here: https://circularity.fm/episode/business-interruption-insurance-when-circularity-pays-off/