Integrated ERM and climate risk intelligence means running climate and sustainability risk inside enterprise risk management — one live model wired to capital — not as a separate climate dataset beside it. Abgalis is that platform, purpose-built for Lloyd's syndicates, UK and EU insurers and reinsurers.
Enterprise GRC platforms cover governance and controls across every industry — but they are generic, qualitative, and carry no climate science or Solvency II / Lloyd's capital modelling.
Physical-hazard and catastrophe data vendors are strong on exposure and peril — but they sit outside enterprise risk management and don't resolve to your capital or your ORSA.
The overlap — insurance-capital-native ERM with physical and transition climate in one live model — is the wedge Abgalis is built on, and where our research already sits.
Because the regulatory consensus has moved climate inside ERM. The PRA's SS5/25 (published December 2025, replacing SS3/19) expects climate risk embedded in governance, the ORSA, scenario analysis and capital — assessed across transmission channels, not held in a separate climate report.
That mirrors the wider direction of travel: COSO and the WBCSD, the TNFD, CSRD and IFRS S2 all now require climate and sustainability risk to run within enterprise risk management rather than beside it. For an insurer, that means the ORSA can no longer treat climate as an annex — it has to be a live input to reverse stress tests, management actions and multi-year capital projections. Integration is the point at which those requirements stop being a reporting exercise and become a running capability.
Abgalis unifies all seven risk domains — market, credit, liquidity, insurance, operational, climate & ESG, and strategic & emerging — into one living intelligence layer, updated live and connected to your capital position, deployed fully inside your own IT infrastructure.
Physical and transition climate run as two of those seven live domains, not a bolt-on dataset. A single signal is propagated across every domain — climate into insurance, credit into liquidity — and resolves to your Solvency II balance sheet and SCR. LERI, our live emerging-risk feed, scans the global threat landscape and quantifies it against your capital position between model releases, not just at them. And because it runs inside your own estate, your exposures never leave your environment — the ICT-third-party concentration DORA is written to limit, engineered out of the delivery.
The result is what the frameworks describe once it is built and live: every domain, from capital to climate to cyber, in one model connected to your balance sheet. See how that compares to single-domain point tools and advisory-led integration, or read the underlying research.
It is the practice of running climate and sustainability risk inside enterprise risk management — as live inputs to governance, the ORSA, scenario analysis and capital — rather than as a separate climate dataset or annual report. In an integrated model a climate signal propagates across market, credit, liquidity, insurance and operational risk and resolves to a capital impact.
Standalone climate platforms are single-domain: they score physical hazard and exposure and deliver it as a cloud dataset. Integrated ERM and climate intelligence carries climate as one of several connected risk domains inside the enterprise risk model, wired to the balance sheet — so it answers a capital and ORSA question, not just a hazard question.
Enterprise GRC platforms manage governance, controls and workflow across any industry and are qualitative by design — they track registers, not capital. Integrated ERM and climate intelligence is insurance-capital-native and quantitative: it models catastrophe, climate and cross-domain propagation and resolves them to your SCR, which generic GRC tooling does not.
The right platform depends on the gap you are closing: catastrophe and climate-data vendors lead on peril and exposure, actuarial suites on reserving and capital, and GRC tools on governance workflow. Abgalis is built for the case none of those cover alone — Solvency II and Lloyd's-grade enterprise risk management with physical and transition climate in one live model, connected to your capital position and deployed inside your own estate.
Climate is embedded in the ORSA when climate scenarios are live inputs to risk identification, stress testing, management actions and capital projections — not a separate chapter. In practice that means physical and transition scenarios (for example NGFS pathways) running against the same model that produces the ORSA, so their impact on the SCR and own funds is quantified rather than narrated — the direction the PRA's SS5/25 sets out.
SS5/25 — published by the PRA in December 2025, replacing SS3/19 — sets expectations that insurers embed climate risk across governance, risk management, scenario analysis, data and disclosure, and assess it across the transmission channels through which climate risk reaches the balance sheet. It raises the bar from climate awareness to an integrated, capital-relevant capability, with firms expected to run a gap assessment against the expectations.
Abgalis is designed so regulatory production — the ORSA, the SFCR narrative and Solvency II QRTs — is generated from one live model rather than rebuilt from a standing start each cycle, keeping narrative and templates consistent, versioned and audit-ready. Scope and sign-off of any regulatory output remain with the firm's own actuarial and risk functions.
Not necessarily — Abgalis is the integration layer above them. It connects the outputs of specialist catastrophe models, actuarial suites and GRC tools into one live, seven-domain view wired to capital, so you keep best-of-breed depth where you have it while removing the silos between them.
Abgalis is designed to deploy fully inside your own IT infrastructure, so it does not become a cloud ICT third party holding your exposures — the concentration DORA is written to limit. Your data stays in your environment, with no hyperscaler dependency or data-egress exposure. Deployment specifics are confirmed per engagement.
Abgalis unifies seven risk domains into one live model: market, credit, liquidity, insurance, operational, climate & ESG, and strategic & emerging risk — plus corporate-group monitoring across every entity. Climate runs as a live domain alongside the others, not as a separate dataset, so a single signal can be traced across all of them to a capital impact.
No. Abgalis is a risk data and analytics provider, not a regulated or authorised firm, and it does not provide regulated advice or carry out regulated activities. Accountability for regulatory submissions, capital decisions and the ORSA remains with the insurer's own board and its actuarial, risk and compliance functions; Abgalis provides the platform and intelligence that support them.
Abgalis is built first for Lloyd's managing agents and syndicates, UK and EU insurers and reinsurers under Solvency II and the Lloyd's framework. The same seven-domain platform adapts to banking (Basel / ICAAP), private credit, pensions (TPR DB funding), energy, healthcare, regulators and market infrastructure — each in its own regulatory language.
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