Natural disasters such as large-scale flooding are on the increase. Climate change directly affects our basis of existence. This includes residential buildings, and commercial and industrial properties. The author highlights the requirements that will have to be met by a protection system for buildings in the future. Insurance against natural hazards lies at the heart of such a system. The insurance systems of Germany, France, Spain, Switzerland and the USA are presented. The author explains what type of insurance system is best suited to meet the challenge of climate change. The starting point of the legal section is statutory insurance with a monopoly. The question of whether such insurance is compatible with Swiss and EU law is examined. Keywords in this respect are economic freedom, competition, services of general interest and universal service.

Challenge: Climate Change as the Starting Situation

Global Climate Change
Climate Change in Switzerland
Consequences for Insurance Against Natural Hazards
Insurance Systems Today
Types of Insurance Systems
Germany
France
Spain
Switzerland
USA
Interim Conclusion - Suitable Protection System Against Natural Hazards in Response to Climate Change
Overview of Requirements
The Appropriate Response to Climate Change
Legitimacy of Statutory Insurance Against Natural Hazards
Admissibility Under Swiss Law
EU Compatibility of the KGV Statutory Insurance System.