Insurances started acting quite some time ago.
BTW did you know that 🇩🇪 Munich Re: issued their 1st report about insurance and climate as early as 1973?
They even assembled their own research team. True pioneers, and although they didn't do it out of humanity, it's remarkable how their and other insurance companies' open warnings about an "uninsurable future" if global warming reaches/exceeds certain limits get ignored _to date_.
Bonkers.