The world is in the middle of what is likely to be the warmest 10 years since records began in 1850, say scientists.

The UK Met Office is forecasting that temperatures for each of the next five years are likely to rise and be 1C or more above pre-industrial levels. It won't be limited to a steady rise either and we are likely to see acceleration or years of more than 1C increases.

Comparing different climate charts and reports all point to one thing - the weather is going to change and its effects on all of us will become more difficult to manage.

Looking at Hurricanes, for example, over that last 150 years the number and intensity of hurricanes has grown.

The up-tick is all one direction and there is no sign of it slowing down. Obviously this is a time for action and change. Additionally it’s time to be prepared and to know more about Business Insurance.

Many people when they need to react fast have a 'go-bag'. This applies to disaster planning - get yourself a go-bag and be prepared.

Another essential piece of kit is to be insured, you should check in with your local agent or insurance advisor to discuss what you need to cover weather related risks. If you live in a hurricane area then this Climate Change Insurance should be a top priority.

Insurance is the protection of people/businesses against specific perils in exchange for regular premium payment proportionate to the likelihood and cost of the risks involved. The idea of insurance is that when the risk comes about then claiming on the policy will put you back at a similar point. Potentially insurance for weather related issues will increase and smarter policies will be developed. Please take correct advice from an expert.

At Microinsurance we are focused on changing the way insurance is developed and processed. We are insurance with an API. We are in the forefront of that change; developing policies by the season, job, by the hour, by the day and by the Km, thus fitting our model to that of the platforms and the way small and micro businesses see risk. We are unbundling policies so that the cover offered fits with people’s needs or the actual job or process being undertaken.