The Munich Climate Insurance Initiative (MCII) was initiated as a non-profit organization by representatives of insurers, research institutes, and NGOs in April 2005 in response to the growing realization that insurance-related solutions can play a role in adaptation to climate change, as advocated in the UN Framework Convention on Climate Change and the Kyoto Protocol. The initiative’s purpose is the promotion of the requisite framework of public-private protection and insurance solutions for the fast-growing number of people worldwide affected by weather-related catastrophes, especially in developing countries. The focus is primarily on solutions for people who have no access to risk management mechanisms at present.