You didn't google insurance and climate change did you. I did...

You didn't google insurance and climate change did you. I did and i will post the second most reactionary link. Forbes magazine is heavily into AGW denial and even it this article they wriggle around some. However they do write of the link between insurance payouts and climate change.

http://www.forbes.com/sites/kensilv...and-insurance-industries-over-climate-change/

Here is another link to one specific class of even NOT currently been seen to clearly change due to AGW.

http://ruby.fgcu.edu/courses/twimberley/EnviroPhilo/HurrGlobalWarm.pdf

The two example I gave have been increasing in the context of AGW

Value of the built infrastructure and population density are often cited by deniers looking to excuse burgeoning insurance claims. However they fail to account for the increasing PREMIUMS being charged. More built environment means more insurance being taken out means more funds available to pay claims. In terms of premiums, the effects cancel out. However premiums are going up in a very competitive market. The reason insurance companies give is risks are increasing due to climate change. These are the people who should know and the competition they give each other should be keeping the premiums low.

Why are they rising?

Because AGW is real.