S&P South Africa Conference 2026 - Left: Sylvia Mhlanga Associate Director Insurance Ratings S&P Global Ratings, Right: Jessica Lorathu Chief Risk Officer Guardrisk Insurance

3 June 2026Operational Risk

Overlapping shocks are forcing insurers to rebuild their risk models

For years, insurance risk modelling followed a familiar logic: identify perils, isolate scenarios, stress-test one variable at a time. That era is ending.

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