We are aware of the key role played by insurance, more so as we face increasing events of extreme weather destruction. Government agencies are signaling policy and coverage shifts, and there is a growing realization that existing policies and programs are not adequate to the new realities. Insurance is fundamental yet largely invisible until it is not there, and may be the driving force toward necessary change for the future. About World Ocean Radio Peter Neill, Director of the World Ocean Observatory and host of World Ocean Radio, provides coverage of a broad spectrum of ocean issues from science and education to advocacy and exemplary projects. World Ocean Radio, a project of the World Ocean Observatory, is a weekly series of five-minute audio essays available for syndicated use at no cost by college and community radio stations worldwide. World Ocean Radio offers five-minute weekly insights that dive into ocean science, advocacy and education, hosted by Peter Neill, Director of the W2O, author, and lifelong ocean advocate. Episodes offer perspectives on global ocean issues, today’s challenges, marine science and policy, and exemplary solutions. Available for RSS feed, podcast, and syndicated use at no cost by community radio stations worldwide.