How do we build resilience and resilient systems in the face of climate change and increasing hazards such as floods, earthquakes, and pandemics?  Dr. Paula Jarzabkowski, University of Queensland, presents innovations in disaster insurance from 49 countries and on post-disaster reconstruction programs in Australia that have parallels with US policy challenges. Insurance is a major source of funding for resilience and post-disaster coverage, but there is a gap between who needs insurance and who has it or can afford it. Protection Gap Entities (PGEs) are not-for-profit insurance mechanisms that rebalance paradoxes in insurance to support communities.