Ruth Lux

Ruth Lux is a global leader in climate and disaster risk finance and a member of the Operating Committee of the Insurance Development Forum (IDF), where she also serves as Co-Chair of the Sovereign & Humanitarian Solutions Working Group.

Until March 2025, Ruth headed the Public Sector Solutions practice for UK, Europe, India, Middle East & Africa at Guy Carpenter, advising governments, multilateral agencies, and public entities on climate resilience, sovereign and sub-sovereign risk financing, and the integration of insurance into development and fiscal policy. She has also worked extensively as an independent consultant to multilateral development banks, NGOs, and the private sector, bringing together diverse partners to pioneer new models of disaster risk financing and resilience-building. She additionally serves on the Advisory Group of the Start Network’s Risk Pooling and Risk Financing initiative, which is scaling innovative approaches to anticipatory humanitarian action.

She has played a leading role in the design and implementation of innovative insurance and risk transfer programmes, including parametric drought and flood solutions, macro-level climate facilities, and sovereign catastrophe financing strategies across Africa, Latin America, Asia, and Europe.

Earlier in her career, Ruth founded and ran a political risk consultancy advising corporates and government agencies, and headed political and terrorism risk analytics at JLT Specialty.

Ruth holds an MSc in International Relations from the London School of Economics, a BA in French and Spanish from the University of Bristol, and is fluent in French and Spanish.