Publié le Risques – Insurance Papers – Special edition december 2025
Europe : Risks, Challenges and Strategic Responses
2025 is drawing to a close, and the year can be summed up in one word: challenges. Challenges in the plural, because France has faced many this year, starting with unprecedented governmental instability in recent months.
At the European level, Member States are closing ranks in the face of heightened geopolitical and commercial tensions. It reached a high point with Donald Trump’s return to the White House, which was synonymous with very high tariffs. In this unprecedented context, Europe must react as quickly as possible, and above all, it must transform itself. The strategic priorities are clearly identified, but the workstreams are particularly numerous: consolidating the single market, strengthening its competitiveness, simplifying its regulations, building an effective armed defence capability, and equipping itself with a strategy and the resources needed in the race for artificial intelligence. These are all challenges that will enable Europe to establish its sovereignty and consolidate its place on the world stage.
In this turmoil, the active mobilisation of all sectors is important. For the insurance sector, a major contributor to national and European economic dynamism, this means protecting individuals and businesses and reducing risks, helping stabilise markets, mobilise European savings to support the major transitions of the century — ecological, demographic, technological and geopolitical — and thus contribute to Europe’s economic renewal.
It is in this context that France Assureurs is organising its SMART Summit – Summit for Mobilising Today on Risks and Transitions at the end of this year. Bringing together key players in the insurance sector and its ecosystem, its aim is to foster dialogue, stimulate debate and create synergies around major contemporary issues. All of this takes place in a highly symbolic location: Brussels, a city at the heart of European integration.
This special issue of Risques has been designed for the event. It offers a selection of articles from previous issues to help readers better understand the pivotal period Europe is currently experiencing. As always, the approach is firmly focused on action and solutions.
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