The increasing trend in severe weather hazards due to climate change in the face of global economic challenges has exacerbated the necessity for safety nets to protect the most vulnerable communities. Small Island Developing States are among the most exposed to climate change and by extension, catastrophic events that form part of the impacts.

This paper examines the development of micro-insurance as a climate adaptation strategy for small island coastal communities in the Indian Ocean and the Caribbean. It seeks to compare the needs, viability, feasibility and potential for micro-insurance in Mauritius, Seychelles, Saint Lucia and Jamaica.

The results of the research conducted show that although the islands have similarities and anomalies, it is possible to develop micro-insurance products that cater to their distinct characteristics and that can help to boost resilience of communities in the face of climate change.

Picture: Frank Roche