This position paper emphasizes that climate resilience is a shared responsibility requiring cooperation between the insurance industry, public officials, and private citizens. While insurers offer financial protection and risk expertise, the document argues that governments must lead on preventative measures like updated building codes and improved land‑use planning to keep risks manageable. To address the rising costs of natural disasters, the sources advocate for a transition from reactive relief to proactive investment in long‑term adaptation and nature‑based solutions. Furthermore, the text highlights the importance of transparent data and sector‑specific roadmaps to guide societies toward a more stable, net‑zero future. Ultimately, the goal is to maintain insurance affordability through unified European support and robust national partnerships.