Canada’s billion-dollar climate losses are no longer rare events – they’re an annual reality. Floods, wildfires, and hailstorms are driving record catastrophe claims, leaving insurers and governments searching for ways to keep coverage viable while reducing the human and financial toll of disasters.

For Nathan Tjandrawinata (pictured), executive vice president of personal lines at SPG Canada, the answer is in helping homeowners prevent losses before they happen.

“Prevention is the new protection,” he told Insurance Business. “We have to make it simple, visible, and rewarding so that people actually do it.”