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InsightHEAT: The climate risk tool protecting your business and bottom line

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HEAT: The climate risk tool protecting your business and bottom line

Climate and nature risks aren’t just environmental concerns—they’re financial ones. Rising insurance premiums, asset devaluation, and regulatory pressures are already impacting businesses. The question isn’t whether these risks will affect you—it’s when, how much, and whether you’re ready. That’s why TSA Riley’s Climate Advisory team developed HEAT—the Holistic Exposure Assessment Tool.

HEAT helps businesses quantify, manage, and report on climate and nature-related risks that can translate to material financial impacts for your organisation.

By integrating climate, water and nature trend data, scenario analyses, and structured reporting workflows, HEAT simplifies even the most complex environmental challenges. Whether you’re managing flood risk, heat stress, biodiversity impacts, or regulatory compliance, HEAT translates raw data into practical, business-focused insights—so you can make smarter, more cost-effective decisions.

 

HEAT in action

A screengrab of HEAT in action: from simplifying climate risk reporting, to initial vulnerability assessments to baseline exposure analysis, HEAT helps businesses navigate climate-related financial disclosures with clarity.

 

How HEAT protects your business

Environmental risks are already driving up costs, tightening regulations, and creating financial uncertainty. HEAT helps you:

  • Meet global climate reporting requirements – Stay compliant with Australia’s ASRS, New Zealand’s XRB climate disclosure standards, and voluntary nature reporting frameworks the Taskforce on Nature Related Financial Disclosure (TNFD) and the Science Based Targets Network (BBTN).
  • Manage insurance risks – Rising premiums? Underwriters are pricing climate risks into policies. HEAT provides data-driven insights to highlight opportunities to build resilience and negotiate better terms.
  • Avoid costly mistakes – Many businesses waste money on reactionary, short-term fixes. HEAT helps you see the full picture of adaptation opportunities across climate, nature and water indicators to prioritise investment in strategies that actually pay off.
  • Protect asset value – From real estate to infrastructure, HEAT helps businesses identify high-risk locations and prioritise investments that will hold their value in a changing climate and highlight opportunities for divestment in high-risk locations.
  • Get ahead of investor expectations – Financial markets are already penalising companies that ignore climate and nature risks. HEAT gives you the structured data you need to satisfy investors and lenders.
  • Understand the true cost of inaction – The real risk isn’t just a flood, fire, or heatwave—it’s the compounding financial impact of doing nothing. HEAT provides the evidence base for action and helps businesses justify resilience investments to boards and stakeholders.

How HEAT works

HEAT is simple to use, yet powerful in impact. It provides:

  • Risk and opportunity assessments – Analyses climate, nature, and water data to identify likely material risks and opportunities across your assets.
  • Vulnerability ratings – using different lenses to explore climate sensitivity and adaptive capacity in alignment with ISO14091.
  • Scored risk ratings – Easy-to-read 0–5 scores for every hazard.
  • Scenario modelling – Understand how risks will evolve over time.
  • Automated reporting – Compliance workflows for global climate reporting requirements, including ASRS, TNFD, and NZ’s XRB standards.

Whether you’re working at an asset, portfolio, or enterprise level, HEAT helps you turn complex data into clear, actionable decisions.

 

Get HEAT for your business

TSA Riley’s Climate Advisory team, led by Clinton Rakich, helps businesses navigate climate and nature risks with clarity and confidence. With expertise in climate resilience, financial disclosures, and regulatory compliance, the team turns complex data into key insights and actionable strategies.

HEAT is a key part of that mission—providing the insights businesses need to understand their risks, meet reporting requirements, and protect long-term value.

HEAT is available as a tailored assessment service through our Climate Advisory team. We’ll work with you to evaluate your exposure, generate risk reports, and ensure you stay ahead of ASRS, XRB, TNFD, and global reporting standards.

Want to see how HEAT can work for your business? Contact Clinton Rakich to learn more.