{"id":567440,"date":"2026-09-08T02:12:32","date_gmt":"2026-09-08T02:12:32","guid":{"rendered":"https:\/\/www.capgemini.com\/mx-es\/?p=567440"},"modified":"2026-09-10T03:23:21","modified_gmt":"2026-09-10T03:23:21","slug":"el-riesgo-climatico-redefine-el-negocio-asegurador","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/mx-es\/insights\/expert-perspectives\/el-riesgo-climatico-redefine-el-negocio-asegurador\/","title":{"rendered":"El riesgo clim\u00e1tico redefine el negocio asegurador"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1><strong>El riesgo clim\u00e1tico redefine el negocio asegurador<\/strong><\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/mx-es\/wp-content\/uploads\/sites\/28\/2026\/09\/Ricardo-Acacio.jpg?w=399?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Ricardo Acacio<\/h5><h5 class=\"blog-date\">sep 8, 2026<\/h5><\/div><\/div><div class=\"brand-image\"><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"grid-container\"><div class=\"col-12 col-md-2\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?p=1206744\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?p=1206744\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div><div class=\"article-text article-quote-text\">\n<ul class=\"wp-block-list\">\n<li><em>El riesgo clim\u00e1tico deja de ser una variable secundaria para convertirse en un factor determinante de las estrategias de negocio de las aseguradoras.<\/em><\/li>\n\n\n\n<li><em>La resiliencia clim\u00e1tica emerge como una de las principales tendencias del sector, impulsada por avances en suscripci\u00f3n inteligente, infraestructura moderna de datos e inteligencia artificial.<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La resiliencia clim\u00e1tica y ante cat\u00e1strofes es una de las tendencias que marcar\u00e1n el futuro del sector asegurador y la de mayor urgencia para las compa\u00f1\u00edas de da\u00f1os, de acuerdo con el informe \u201c<\/strong><a href=\"\/mx-es\/insights\/biblioteca-de-investigacion\/principales-tendencias-en-el-sector-de-los-seguros-en-2026\/\"><strong>Principales tendencias en el sector de los seguros en 2026<\/strong><\/a><strong>\u201d, del Instituto de Investigaci\u00f3n de Capgemini.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El cambio clim\u00e1tico est\u00e1 obligando a las aseguradoras a replantear c\u00f3mo eval\u00faan, aseguran y gestionan el riesgo. Los modelos tradicionales, limitados por la disponibilidad de datos clim\u00e1ticos granulares y prospectivos, ya no reflejan adecuadamente la severidad creciente de los eventos clim\u00e1ticos ni la exposici\u00f3n derivada de la concentraci\u00f3n urbana. Para 2050, el 70% de la poblaci\u00f3n mundial vivir\u00e1 en centros urbanos, concentrando personas, activos e infraestructura en zonas cada vez m\u00e1s vulnerables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esta tendencia resulta especialmente relevante para regiones como Am\u00e9rica Latina, donde fen\u00f3menos hidrometeorol\u00f3gicos m\u00e1s frecuentes e intensos est\u00e1n incrementando la presi\u00f3n sobre los modelos de evaluaci\u00f3n de riesgos y la capacidad de respuesta del sector.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A este escenario se suma un entorno regulatorio cada vez m\u00e1s exigente en materia de an\u00e1lisis de escenarios y suficiencia de capital, as\u00ed como condiciones de reaseguro m\u00e1s estrictas y mayores puntos de retenci\u00f3n para riesgos secundarios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201c<em>La resiliencia clim\u00e1tica ya no es un diferenciador competitivo: es una condici\u00f3n de viabilidad para el negocio asegurador. Las compa\u00f1\u00edas que logren traducir los datos clim\u00e1ticos en decisiones de suscripci\u00f3n en tiempo real estar\u00e1n mejor posicionadas en el mercado de la pr\u00f3xima d\u00e9cada<\/em>&#8220;, se\u00f1ala Ricardo Acacio, L\u00edder del sector de Seguros para Capgemini, regi\u00f3n Norte de Latinoam\u00e9rica.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A pesar de ello, muchas organizaciones mantienen procesos que limitan su capacidad de adaptaci\u00f3n. El 56% de los suscriptores contin\u00faa apoy\u00e1ndose en gu\u00edas est\u00e1ticas, como documentos PDF y hojas de c\u00e1lculo, para evaluar riesgos complejos. Adicionalmente, el 70% de las aseguradoras identifica la calidad e integridad de los datos como su principal desaf\u00edo, mientras que el 72% considera que la integraci\u00f3n con sistemas heredados representa una barrera importante para la innovaci\u00f3n. La mitad de las compa\u00f1\u00edas reconoce, adem\u00e1s, estar rezagada en la modernizaci\u00f3n de esas plataformas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin una infraestructura capaz de integrar y procesar informaci\u00f3n clim\u00e1tica en tiempo real, la transici\u00f3n hacia modelos predictivos de riesgo se vuelve cada vez m\u00e1s dif\u00edcil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En este contexto, la inteligencia artificial generativa comienza a desempe\u00f1ar un papel clave. El 49% de las aseguradoras ya la ha implementado total o parcialmente en distintas \u00e1reas de operaci\u00f3n, y el 46% considera que sus mayores beneficios se concentran en la evaluaci\u00f3n y perfilamiento de riesgos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La resiliencia clim\u00e1tica tambi\u00e9n est\u00e1 transformando la relaci\u00f3n con los clientes. El 60% de los consumidores afirma estar dispuesto a compartir datos personales a cambio de coberturas adaptadas a su perfil de riesgo, una apertura que podr\u00eda permitir el desarrollo de productos m\u00e1s precisos y esquemas de precios alineados con la exposici\u00f3n real de cada asegurado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u201cLa capacidad de incorporar datos clim\u00e1ticos en tiempo real ser\u00e1 uno de los factores que definan qu\u00e9 aseguradoras podr\u00e1n seguir creciendo de forma rentable en los pr\u00f3ximos a\u00f1os y cu\u00e1les enfrentar\u00e1n mayores desaf\u00edos para sostener su competitividad\u201d, <\/em>asegura Ricardo Acacio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El informe destaca el caso de una aseguradora de da\u00f1os en Estados Unidos que centraliz\u00f3 informaci\u00f3n de propiedades procedente de m\u00faltiples fuentes y la enriqueci\u00f3 con datos de terceros para habilitar an\u00e1lisis geoespaciales avanzados. El resultado fue una visi\u00f3n m\u00e1s precisa del riesgo de concentraci\u00f3n asociado a eventos espec\u00edficos como terremotos e incendios forestales, permitiendo identificar exposiciones no detectadas previamente con un valor de varios millones de d\u00f3lares.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin embargo, la transformaci\u00f3n del negocio asegurador no ocurre en un vac\u00edo. Las compa\u00f1\u00edas tambi\u00e9n deben responder a presiones inmediatas vinculadas con la inflaci\u00f3n, las tasas de inter\u00e9s y el aumento en los costos de las reclamaciones. El desaf\u00edo consiste en equilibrar esas demandas con las inversiones necesarias para fortalecer sus capacidades tecnol\u00f3gicas, de datos y evaluaci\u00f3n de riesgos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las aseguradoras que logren avanzar en esa modernizaci\u00f3n, sin descuidar los resultados del ciclo actual, estar\u00e1n mejor preparadas para mantener su rentabilidad, ampliar su participaci\u00f3n en el mercado y responder a un entorno donde el riesgo clim\u00e1tico se ha convertido en un componente estructural de la operaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a id=\"_msocom_1\"><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\" section section--expert-slider wrapper-people-slider wp-block-cg-blocks-wrapper-people-slider undefined\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Conoce a nuestro experto<\/h2><\/div><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/mx-es\/wp-content\/uploads\/sites\/28\/2026\/09\/Ricardo-Acacio.jpg\" alt=\"Ricardo Acacio\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"abrir en una nueva ventana\" href=\"https:\/\/www.linkedin.com\/in\/ricardoacacio\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Ricardo Acacio<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>L\u00edder del sector de Seguros Capgemini North LATAM<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"abrir en una nueva ventana\" href=\"https:\/\/www.linkedin.com\/in\/ricardoacacio\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Ricardo es un l\u00edder destacado en la industria de seguros en M\u00e9xico, con m\u00e1s de 25 a\u00f1os de experiencia en el desarrollo de estrategias para empresas multinacionales. Actualmente, como L\u00edder de Sector se encuentran bajo su cargo proyectos de transformaci\u00f3n empresarial y soluciones innovadoras en TI para grandes aseguradoras para M\u00e9xico y Latinoam\u00e9rica.\n\nA lo largo de su carrera, Ricardo ha ocupado posiciones clave en empresas como Smartmatic, Oracle y Lenovo, gestionando proyectos complejos en sectores p\u00fablicos y privados. Su capacidad para liderar equipos multidisciplinarios y su experiencia en la implementaci\u00f3n de soluciones tecnol\u00f3gicas avanzadas han sido fundamentales para el \u00e9xito de las iniciativas de transformaci\u00f3n en las organizaciones donde ha colaborado.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>El riesgo clim\u00e1tico redefine el negocio 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