meeting of europes foundations, regions and cities for social innovation the promotion of social...
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Meeting of Europe’s Foundations, Regions and Cities for Social Innovation “The promotion of social innovation in Europe”
24-25 October 2012 Committee of the Regions, Brussels - Belgium
Panel discussion « Sustainable development and environment »Roland Nussbaum,
Member of the scientific council, Fondation MaifManaging Director, Mission des sociétés d’assurances pour la connaissance
et la prévention des risques naturels (MRN)
The promotion of Social innovation in Europe« Sustainable development and environment »
Testimony of Roland Nussbaum, for Fondation MAIF
OUTLINE
• French context, EU issues…• Disaster Risk Management (DRM)
from a social innovation practitioner’s perspective…• The MAIF Group promoting social innovation in DRM• Fondation MAIF: exemplative social innovations in DRM
projects• Concluding remarks
subsidence
Sources : FFSA-GEMA (2011) & MEDDTL / BD GASPAR (2011)Author : MRN – May 2011
windstorms floods
1.1. French context:Property damage losses caused by natural catastrophes in France
1.1. French context: integrated DRM legal scheme NatCat 1982 law, revised
1995,2003
An association dedicated to NatCat risk knowledge and reduction, in partnership with public authorities, created in 2000 between:
www.mrn.asso.fr
Introducing MRN, a unique PPP initiative Introducing MRN, a unique PPP initiative
• Activities : Institutionnal Studies Operational General Interest Support Services to Member
Insurance Companies
• Permanent staff members: engineers, geoscientists, PhD students…
• Collaborative network of hundreds of correspondents : insurance companies , such as MAIF State and local authorities Stakeholders and thematic associations
MRN, a social innovation
The MRN network in France
interacting with national and local stakeholders
Voluntary representatives of member insurance companies
eg. MAIF
Take part to collaborative governance bodies
Technical support to municipalities in their information duties
Teaching to public civil servants
Conferences and public debates
1.2. EU Policies adressing DRM an overview of EC initiatives (chronological)
– REGIO: EU Solidarity Fund (2002) - INTERREG – ENV: Floods directive (2007) – INFSO: INSPIRE directive (2007)– ENERGY: European critical infrastructure protection directive (2008)– CLIMA: CCA adaptation strategy green paper (2009)
White paper : Insurance solutions / Clearinghouse mechanismEU CCA adaptation strategy (2013)
– ECHO - citizen protection: • Financial instrument for civil protection (2007)• DRP Strategy (2009)
– DEV: DRR cooperation strategy with third countries (2009)
– MARKT: Internal Market and Financial Services• Solvency II directive (2009) • Communication on disaster exposure and insurance (2013)
– RTD: Research and InnovationFramework Programmes (e.g. FP7 projects), GMES…
• Managing Director of Mission Risques Naturels www.mrn.asso.fr • Member of collective governance bodies, national level : CMI, ONRN• Board/Standing Committee Member of Specialized Associations:
– Association française pour la prévention www.afpcn.orgdes catastrophes naturelles (Bureau/Board)
− Association française de génie parasismique (CAREX) www.afps.org
• Member of Scienfic Advisory Board of www.fondation-maif.fr • Teaching…
• Sustainable Non Life Committee www.insuranceeurope.eu
• Expert to EC DG RTD&I, World Bank/IFC GFDRR Results Management Council• Senior Advisor to EU FP7 Projects: CapHaz-Net, SMARTeST
2. Disaster Risk Management (DRM) from a social innovation practitioner’s perspective…
3. The MAIF Group promoting
social innovation in DRM • The insurance mutual’s customer relationship:
– Special claims management platform and procedures to assist customers , in case of large scale event
– Risk awareness raising campaigns• The insurance mutual’s institutional commitment:
– Climate change adaptation awareness raising– Scientific and professional conferences in partnership with universities– Fondation MAIF pour la prévention
• The insurance mutual’s participation to collective governance through it’s GEMA membership – Mission Risques Naturels– Observatoire National des Risques Naturels (ONRN), a new joint PPP
agreement between State, CCR and MRN to develop risk data sharing and public policy evaluation
4. Fondation MAIF: exemplative social innovation in DRM projects
an introduction
• De l’assureur… Depuis sa création, la MAIF revendique une éthique humaniste et une volonté de faire évoluer le métier de l’assurance. Ainsi, elle n’a pas hésité à modifier ses contrats d’assurance ou encore à élargir son champ de recrutement à tous les métiers de l’éducation, de la recherche, de la culture et des loisirs.
• A la Fondation… La Fondation MAIF, créée en 1989, scelle le professionnalisme et l’expérience de l’assureur en investissant, en amont, trois stades complémentaires de l’assurance : – d’une part, la prévention et la formation via des outils pratiques de
communication (Livrets, guides pratiques, CD-ROM, Vidéos…) ; – d’autre part, la recherche scientifique qui analyse précisément les
mécanismes de survenance des accidents, qu’ils soient d’origine humaine, technique ou matérielle
http://www.fondation-maif.fr/fondation/notre-action/accueil.html
An exemplative educational product:Carte de sismicité euro méditerranéenne
An exemplative research project:use of social networks to monitor sismic impacts
An exemplative research project: to develop storm surge damage functions on dwellings, with access to insurance companies’ claims data files
Concluding remarks
• Social innovation in DRM / DRP may address:Risk metrics : data availability improvement, sharing, broadcasting Risk knowledge : possibilities and limits of modeling country profilesRisk reduction measures : structural, non structural Perception, behavior, responses of stakeholders and communities, from
capacity building to collective risk governance (social sciences, interdisciplinary approaches)
Supporting decision making methods and tools Improving insurability of natural hazard classes, according frequency and
to country’s risk profile (flood, earthquake)Fair, accessible and affordable coverage…
DRM is a cross cutting issue inviting EU Foundations, Cities and Regions to cooperate, for efficient Social Innovation
MAIF Fondation, MAIF Group and the French insurance mutuals offer their lessons learned to share