Financial Standard: Climate change should be at the top of insurers’ concerns as it directly impacts product premiums and the bottom lines of insurers worldwide, according to Zurich. “Climate change should not be on page five – it needs to be on page one,” said David Smith, chief executive of Zurich Financial Services Australia. “[The year] 2008 is going to be remembered as the year that the global economy and the markets had a roller coaster ride. But it doesn’t make the issues of climate change …