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Climate risk can reach a business through physical events or economic change.

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This original illustration shows both routes into risk exposure.

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CoastalFoods is a fictional food processor.

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Assume flooding interrupts its site and deliveries.

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The event is physical; the business interruption is its consequence.

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Now assume buyers request lower emissions from production.

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Changing customer preferences and technology can require new investment.

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This is a transition pressure.

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The centre names economic losses, stranded assets and inaccurate valuation.

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Investigate how each exposure could affect the client, without inventing a loss estimate.

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For CoastalFoods, request site and disruption records, buyer requirements, and management responses.

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A coastal name alone does not establish a hazard or its probability.

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Bring the physical and transition questions into rapid screening.

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Keep assumptions visible, record uncertainty, and use the relevant guidance to decide what needs closer review.