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Meeting of Europe’s Foundations , Regions and Cities for Social Innovation “The promotion of social innovation in Europe ” 24-25 October 2012 Committee of the Regions , Brussels - Belgium. Panel discussion « Sustainable development and environment » Roland Nussbaum,
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Meeting of Europe’sFoundations, Regions and Cities for Social Innovation “The promotion of social innovation in Europe”24-25 October 2012 Committee of the Regions, Brussels - Belgium Panel discussion « Sustainable development and environment » Roland Nussbaum, Member of the scientific council, FondationMaif Managing Director, Mission des sociétésd’assurances pour la connaissance et la prévention des risques naturels (MRN)
The promotion of Social innovation in Europe« Sustainable development and environment »Testimony of Roland Nussbaum, for Fondation MAIF OUTLINE • French context, EU issues… • DisasterRisk Management (DRM) from a social innovation practitioner’s perspective… • The MAIF Group promoting social innovation in DRM • Fondation MAIF: exemplative social innovations in DRM projects • Concludingremarks
1.1. French context:Property damage losses caused by natural catastrophes in France floods windstorms subsidence Sources : FFSA-GEMA (2011) & MEDDTL / BD GASPAR (2011) Author : MRN – May 2011
1.1. French context:integrated DRM legal scheme NatCat 1982 law, revised 1995,2003
Anassociation dedicated to NatCat risk knowledge and reduction, in partnership with public authorities, created in 2000 between: Introducing MRN, a unique PPP initiative www.mrn.asso.fr
MRN, a social innovation • Activities : • Institutionnal • Studies • Operational General Interest Support Services to MemberInsuranceCompanies • Permanent staff members: • engineers, geoscientists, PhDstudents… • Collaborative network of hundreds of correspondents : • insurancecompanies , such as MAIF • State and local authorities • Stakeholders and thematic associations
The MRN network in France interacting with national and local stakeholders Voluntary representatives of member insurance companies eg. MAIF • Take part to collaborative governance bodies • Technical support to municipalities in their information duties • Teaching to public civil servants • Conferences and public debates
1.2. EU Policies adressing DRM an overview of EC initiatives (chronological) • REGIO: EU SolidarityFund(2002) - INTERREG • ENV: Floodsdirective (2007) • INFSO: INSPIRE directive (2007) • ENERGY: European critical infrastructure protection directive (2008) • CLIMA:CCA adaptation strategy green paper (2009) White paper : Insurance solutions / Clearinghouse mechanismEU CCA adaptation strategy (2013) • ECHO - citizen protection: • Financial instrument for civil protection (2007) • DRP Strategy (2009) • DEV: DRR cooperationstrategywiththird countries (2009) • MARKT: InternalMarket and Financial Services • SolvencyII directive (2009) • Communication on disasterexposure and insurance (2013) • RTD: Research and InnovationFramework Programmes (e.g. FP7 projects), GMES…
2. Disaster Risk Management (DRM) from a social innovation practitioner’s perspective… • ManagingDirector of Mission Risques Naturelswww.mrn.asso.fr • Member of collective governance bodies, national level : CMI, ONRN • Board/Standing CommitteeMember of Specialized Associations: • Association française pour la prévention www.afpcn.org • des catastrophes naturelles(Bureau/Board) • Association française de génie parasismique (CAREX)www.afps.org • Member of ScienficAdvisoryBoardof www.fondation-maif.fr • Teaching… • Sustainable Non Life Committeewww.insuranceeurope.eu • Expert to EC DG RTD&I, World Bank/IFC GFDRR Results Management Council • Senior Advisor to EU FP7 Projects: CapHaz-Net, SMARTeST
3. The MAIF Group promotingsocial innovation in DRM • The insurancemutual’scustomerrelationship: • Special claims management platform and procedures to assistcustomers , in case of large scaleevent • Riskawarenessraisingcampaigns • The insurancemutual’sinstitutionalcommitment: • Climate change adaptation awarenessraising • Scientific and professionalconferences in partnershipwithuniversities • Fondation MAIF pour la prévention • The insurancemutual’s participation to collective governancethroughit’s GEMA membership • Mission Risques Naturels • Observatoire National des Risques Naturels (ONRN), a new joint PPP agreement between State, CCR and MRN to developrisk data sharing and public policyevaluation
4. Fondation MAIF: exemplative social innovation in DRM projectsan introduction • De l’assureur… Depuis sa création, la MAIF revendique une éthique humaniste et une volonté de faire évoluer le métier de l’assurance. Ainsi, elle n’a pas hésité à modifier ses contrats d’assurance ou encore à élargir son champ de recrutement à tous les métiers de l’éducation, de la recherche, de la culture et des loisirs. • A la Fondation… La Fondation MAIF, créée en 1989, scelle le professionnalisme et l’expérience de l’assureur en investissant, en amont, trois stades complémentaires de l’assurance : • d’une part, la prévention et la formation via des outils pratiques de communication (Livrets, guides pratiques, CD-ROM, Vidéos…) ; • d’autre part, la recherche scientifique qui analyse précisément les mécanismes de survenance des accidents, qu’ils soient d’origine humaine, technique ou matérielle http://www.fondation-maif.fr/fondation/notre-action/accueil.html
An exemplative educationalproduct:Carte de sismicité euro méditerranéenne
An exemplative research project:use of social networks to monitor sismic impacts
An exemplative research project: to develop storm surge damage functions on dwellings, with access to insurance companies’ claims data files
Concluding remarks • Social innovation in DRM / DRP mayaddress: • Riskmetrics : data availabilityimprovement, sharing, broadcasting • Riskknowledge : possibilities and limits of modeling country profiles • Riskreductionmeasures : structural, non structural • Perception, behavior, responses of stakeholders and communities, fromcapacity building to collective riskgovernance (social sciences, interdisciplinaryapproaches) • Supportingdecisionmakingmethods and tools • Improvinginsurability of naturalhazard classes, accordingfrequency and to country’srisk profile (flood, earthquake) • Fair, accessible and affordablecoverage… • DRM is a cross cutting issue inviting EU Foundations, Cities and Regions to cooperate, for efficient Social Innovation • MAIF Fondation, MAIF Group and the French insurancemutualsoffertheirlessonslearned to share