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. .

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.