Finance + Insurance

The risk landscape for the finance and insurance sector is changing fast. Climate change, natural hazard events, and evolving regulations are reshaping how risk is priced, portfolios are managed, and investments are protected. Alongside meeting obligations, there is a need for organisations to access credible, science-based insights to protect assets and plan with confidence.

Leading expertise in natural hazards, climate change and infrastructure resilience

For more than 50 years, Tonkin + Taylor has been at the forefront of natural hazard risk assessment and insurance claims support. Our specialists bring together engineering, geoscience, data analytics, and climate science, to help central and local government, international development agencies, and the insurance sector understand what natural hazard risk means for their portfolios and their decisions.

Our expertise has been shaped by responding to some of the most significant natural hazard events in New Zealand, Australia, the Pacific Islands, and Southeast Asia. From the Canterbury and Kaikōura earthquakes, to the Auckland Floods and Cyclone Gabrielle, we are regularly engaged to support catastrophe modelling, natural hazard claims, and long-term resilience strategies.

By combining internationally aligned expertise with local knowledge and relationships, we use our deep understanding of how natural hazards affect infrastructure performance and financial resilience to help clients reduce risk and prepare for the challenges ahead.

What natural hazard engineering services does Tonkin + Taylor provide to insurers?
Tonkin + Taylor provides end-to-end technical support across the insurance lifecycle — from pre-event risk modelling and catastrophe loss assessment, to post-event claims management, forensic engineering, and managed repair. Our specialists have over 50 years of experience working with insurers on natural hazard events including earthquakes, floods, landslides, and coastal impacts.

How can engineering consultants support climate-related financial disclosures (TCFD/IFRS S2)?
Our advisory team helps finance and insurance organisations identify and quantify their physical climate risk exposure, conduct scenario analysis, and prepare disclosure-ready outputs aligned with IFRS S2 (formerly TCFD), TNFD, and related frameworks. We bring both the technical depth and sector understanding needed to make disclosures credible and defensible.

What is catastrophe loss modelling and how does it support risk pricing?
Catastrophe loss modelling estimates the potential financial losses from natural hazard events across a portfolio of insured assets. Tonkin + Taylor’s multi-disciplinary team integrates hazard science, engineering assessment, and geospatial analytics to produce robust loss estimates that support underwriting, reinsurance structuring, and capital allocation decisions.

What geographies does Tonkin + Taylor cover for natural hazard risk services?
Our primary markets are New Zealand and Australia, with significant experience across the Pacific Islands and Southeast Asia. We combine regional expertise with globally aligned methodologies, and collaborate with international partners to support cross-border risk programmes and international development projects.

How does Tonkin + Taylor support organisations responding to natural hazard events?
Our emergency response and claims teams can mobilise rapidly following a natural hazard event to provide geotechnical and structural assessment, forensic engineering, and damage quantification services. We have a strong track record supporting large-scale recovery programmes and insurance recovery projects following major earthquakes, floods, and severe weather events across the country.