ESG‑Focused Risk Assessment Model: Frameworks for Sustainable Growth​

At Kshema we have a proprietary framework that fundamentally and systematically includes location aware ESG issues in risk analysis and shape our value decisions.

This allows us the benefit of drawing evidence-based results as opposed to heuristic decision making.

More importantly it is a unique approach that harnesses proprietary tools with the objective of increasing confidence, extending protection to more stakeholders by extending the analytical scope beyond traditional risk analysis and helps over the medium to long term.

Kshema is our proprietary location aware ESG tool that allows us to profile risk across all the grids encompassing every micro climatic zone in the country effectively covering our entire potential customer base.

It was built through collaboration of multiple Kshema partners who are individual and institutional subject matter experts from across the globe.

An integrated approach enables the efficient risk profiling by ensuring material ESG risk and opportunities are adequately priced into insurance decisions.

When these risks are properly priced into the premiums – that is our opportunity to build long term sustainability for our investors and customers.

Frequently Asked Questions on ESG‑Focused Risk Assessment Models

1. What is an ESG‑focused risk assessment model?

It is a structured framework that evaluates environmental, social, and governance risks to help businesses ensure compliance, sustainability, and resilience.

ESG assessments identify risks like climate impact, labor practices, and governance gaps, helping companies build trust and attract responsible investors.

It uses frameworks, data analytics, and materiality assessments to measure ESG risks, prioritize issues, and guide sustainable decision‑making.

Disclaimer:
“We do not assume any liability for any actions undertaken based on the information provided here. The information gathered from various sources and are displayed here for general guidance and does not constitute any professional advice or warranty of any kind.”