Risk-Priced Society

Insurance, Algorithms, and Climate in the Age of Prediction

Open-review edition

Insurance rests on a collective promise: resources are brought together so that no one is left alone with risk. Finer data, more opaque predictive models, and climate risks that are increasingly difficult to pool are placing that promise under strain.

Risk-Priced Society examines what prices, scores, and risk categories do to institutions of solidarity. Returning to the basic principles of insurance, it argues that debates presented as technical also involve political choices about what we are prepared to share.

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Open review: 15 August–15 December 2026. Readers may comment on individual passages using the annotation tool displayed in the margin.