Recognising climate risks, before they hit operations

UNIQA Sustainable's climate risk analysis shows SMEs which locations, processes and supply chains are particularly at risk – and which measures are now a priority.

Understanding location-specific risks. Assessing impacts. Strengthening resilience strategically.

Extreme heat, heavy rainfall, flooding, drought, and supply chain disruptions are noticeably increasing in Europe. For SMEs, this can quickly lead to operational interruptions, increased costs, or investment risks – particularly when locations, processes, or suppliers are heavily dependent on regional weather and infrastructure conditions.

UNIQA Sustainable translates complex climate data into concrete business decisions: understandable, prioritised, and tailored to the realities of SMEs. The result is a clear risk profile with assessed impacts and a prioritised catalogue of measures – forming the basis for investments, site selection, and effective risk management.

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Your benefits at a glance:

Recognise
risks early

Prioritise
investments

Ensure
operational continuity

Request an initial consultation now!

Climate risks in practice

Energy & Infrastructure

Up to €3m in potential losses due to forest fire, hail, drought and heat stress.
Read the Success Story
Climate risk analysis success story bakery

Food production

Up to 265 days of business interruption due to heavy rainfall and flooding, heat stress and supply chain failures.
Read the Success Story
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Why SMEs should act now

Climate risks have long been a part of everyday business for many SMEs in Central and Eastern Europe. If a location is susceptible to heat, heavy rain disrupts operations, or supply chains fail, operational and financial consequences can quickly arise. Climate risk analysis helps to systematically understand these risks and derive concrete, prioritised decisions from them.

  • Identify risks at an earlier stage: Highlighting relevant climate risks for sites, operations and supply chains.
  • Assess impacts more effectively: Evaluating financial and operational consequences before any damage occurs.
  • Prioritise measures: Receive specific recommendations – tailored to the size of your business and your risk profile.
  • Plan investments more effectively: Create a robust foundation for sites, infrastructure, and risk management.
  • Build resilience: Ensure business continuity and boost trust among partners, customers and insurers.

Who benefits from a climate risk analysis?

SMEs with location-specific risks

Companies with property, production sites or critical infrastructure

Companies with climate-vulnerable supply chains

Request an initial consultation now!
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What is a Climate Risk Analysis?

A climate risk analysis shows how severely a company can be affected by acute and chronic climate hazards, and the consequences for operations, infrastructure, supply chains, and investments.

  • Analysis of relevant climate risks e.g. heat, heavy rain, floods or drought.
  • Integration of scientific climate projections: Taking into account future risks based on well-founded climate scenarios.
  • Assessment of site-specific risks: dependent on location, use and exposure.
  • Consideration of operational dependencies: for example in processes, infrastructure and supply chains.
  • Assessment of financial and operational implications: for the prioritisation of essential risks.
  • Concrete results for customers: Location-specific risk profile, impact assessment, and prioritised actions.

This transforms climate risk analysis into a concrete basis for decision-making: Which risks are significant? Which measures take priority? And where is it worth investing first?

This is how the Climate Risk Analysis is carried out

1.
Understand what really matters
  • Joint kick-off with the experts from UNIQA Sustainable
  • Collection of relevant information on locations, processes, infrastructure, supply chains and claims history
2.
Make climate hazards visible
  • Analysis of relevant climate hazards for one or more locations – today and under future climate conditions based on scientifically grounded climate scenarios
3.
Assess risks and impacts
  • Assessment of key climate risks by sustainability experts and risk engineers
  • Analysis of critical dependencies between locations, processes, infrastructure and supply chains
  • Development of specific risk scenarios for essential hazards and possible consequences
4.
Derive and prioritise measures
  • Recommendation of technical, organisational and structural adaptation measures
  • Creation of a prioritised action catalogue as a concrete basis for decision-making
  • Integration of technical expertise by risk engineers for practical and actionable solutions
5.
Make financial impacts transparent and comparable
  • Structuring of risk events into clearly defined cost channels 
  • Quantification and comparison of financial impacts per risk event 
  • Creation of a transparent basis for prioritisation, budget decisions and funding 

Would you like to know which climate risks are relevant to your business?

In a non-binding initial consultation, we jointly determine which locations, processes, or supply chains should be considered – and what scope of analysis is appropriate for your company.

Discuss climate risks now

Frequently Asked Questions about Climate Risk Analysis

Here you will find answers to the most important questions about UNIQA Sustainable's climate risk analysis – from areas of application and process to results, effort, costs, and benefits for your company.

The climate risk analysis is suitable for companies whose business success is heavily dependent on locations, buildings, production facilities, infrastructure, or supply chains. This includes, for example, manufacturing companies, hotel chains, real estate companies, energy suppliers, or companies from the food production sector.

The analysis can be used for individual locations as well as for companies with multiple sites, infrastructure assets or complex supply chains. The aim is to identify climate-related risks early on, make financial impacts visible and strengthen the company's resilience.

Businesses of all sizes are increasingly affected by climate-related risks. Extreme heat, heavy rainfall, flooding, or drought can disrupt operations, cause damage, or interrupt supply chains.

While SMEs often have fewer financial and human resources buffers, larger companies frequently face the challenge of assessing risks across multiple locations, infrastructures, or supply chains. This makes it all the more important to identify relevant climate hazards early and to plan appropriate protective measures in due time.

The climate risk analysis includes a site-specific climate and risk assessment, as well as a concise risk report. Relevant climate hazards, site exposure, and operational vulnerability are evaluated. Based on this, companies receive concrete recommendations for technical, structural, and organisational adaptation measures.

The analysis is carried out in several steps: First, relevant information on locations, processes, and supply chains is collected. Then climate hazards and the resulting risks are assessed. Additionally, financial impacts can be systematically compared to create a clear basis for decision-making regarding prioritisation, investments, and protective measures.

At the end, you will receive a site-specific risk profile, an assessment of relevant climate hazards, and a prioritized catalog of measures. This shows which technical, structural, or organizational measures are advisable and where there is an urgent need for action.

For companies with multiple locations, risks and areas for action can be structured and prioritised across locations.

Yes. The analysis can make visible the financial impacts that climate-related risks can have – for example, through damage to buildings and facilities, business interruptions, or supply chain failures. This makes risks comparable and allows companies to evaluate investments in protection and adaptation measures more effectively.

A climate risk analysis helps companies identify relevant hazards early on, prioritise risks by urgency, and derive concrete countermeasures. Depending on the location and industry, these include technical, structural, or organisational protective measures, which should ideally be integrated into existing processes.

The results support decisions on investments, site development, supply chains, emergency processes and operational protective measures. Companies can better assess which measures are economically sensible, where budgets should be prioritised, and which locations or processes are particularly worthy of protection.

The effort required on your part remains manageable. After a joint kick-off, the relevant information is collected in a structured manner. The scope and level of detail depend on the size of the company, the number of locations, and the objective of the analysis. The analysis itself is largely carried out by UNIQA Sustainable.

This depends on the size and complexity of your operation, as well as the chosen scope of analysis. A detailed, location-specific climate risk analysis can typically be carried out within approximately two weeks, provided the necessary information is available promptly.

Yes. The climate risk analysis is not limited to assessing risks. It also provides a practical catalogue of measures with prioritised recommendations, so that companies can derive concrete next steps for climate adaptation.

Whether insurance premiums change is at the discretion of the respective insurer. However, the analysis can show where a company can take preventive action. This enables risks to be demonstrably reduced and argued more effectively in discussions with insurers.

The climate risk analysis can be expanded with additional details, making the results usable for sustainability reporting or regulatory requirements such as the EU Taxonomy. The specific scope should be agreed upon in the initial consultation based on the respective reporting obligations.

Digital climate data and scenario-based modelling are used for the analysis. This can take into account scientifically established climate scenarios, official hazard maps and high-resolution geospatial data. This creates a well-founded assessment of which climate hazards may be relevant for a location today and in the future.

Your company data will be treated confidentially. Access will only be granted to authorised individuals involved in the analysis. Details regarding data processing and data security can be clarified during the initial consultation and tailored to your company’s requirements.

The costs depend on the size of the business, the number of locations, the available data, and the desired scope of analysis. After a non-binding initial consultation, you will receive an individual offer with a clearly defined scope of services.

In a non-binding initial consultation, we jointly determine which risks are relevant for your company and what scope of analysis makes sense. Based on this, you will receive a clear recommendation for the next steps.

Discuss climate risks now