By Kate Margolis (6/21/2013; 3 pages) Insurers' potential liability for the costs of defending and indemnifying their policyholders for harm related to climate change is the least recognized future threat to insurer viability, says the author. Contending that insurer solvency is threatened by climate change related catastrophes, the author discusses the increased use of tort suits related to climate change and predicts an increase in parallel litigation between insurers and their policyholders over coverage.