In this episode, Mike Smith and Nick Gardner discuss the intersection of climate change, policy, and insurance. 

First, Mike highlights the concept of tipping points and the importance of staying below certain temperature thresholds to avoid irreversible climate events. He also discusses the climate positions of the vice presidential candidates and the role of insurance in addressing climate risks. 

Next, Nick Gardner explains how insurance companies have the power to influence the transition to a more sustainable future and the need for aligning insurance with climate goals. Premiums for the Planet is a movement that aims to drive change in the insurance industry by pressuring insurance carriers to adopt sustainable practices. The movement is focused on collective action and collaboration among businesses to drive systemic change.