Named Insured, Additional Insured, and Certificate Holder are terms that frequently appear alongside one another in contracts, insurance indemnification requirements, and Certificates of Insurance. While they may appear on the same documents, they do not mean the same thing. Each describes a different relationship to an insurance policy, and understanding that distinction becomes particularly important when a claim occurs.

The Central Bank of the Republic of Kosovo (CBK) has introduced two new regulations strengthening insurance product governance, customer information, transparency, advertising, and consumer protection. Insurers and insurance intermediaries, including branches of foreign entities licensed by the CBK, have 12 months from the regulations' entry into force to achieve full compliance.

An insurance broker/specialist becomes a crucial part of an organization’s risk strategy, representing its interests in the insurance market, advising on coverage decisions, negotiating with insurers, and supporting the organization when a claim occurs - to name a few. But who your broker answers to matters most.

Insurance is about protecting the risks and exposures that exist within an organization; however, the more risk that exists, the higher your insurance premiums will be. That’s why risk management comes before the policy; the more effectively the organization manages their risks and exposures before placement, the more they will save on their insurance overall.

The NAIC is developing changes to the U.S. Life Risk-Based Capital framework that would place greater emphasis on the risks associated with reinsurance recapture, counterparty strength and collateral. For industry leaders, the changes could influence capital requirements, transaction economics, counterparty selection and reinsurance structures, making it increasingly important to understand existing exposures...

The NAIC initiative calls for the development of a reinsurance recapture charge within the Life Risk-Based Capital (RBC) framework, intended to account for the potential capital impact when liabilities transferred through reinsurance are returned to the ceding insurer. The proposal forms part of broader regulatory efforts to ensure that U.S. life insurers' capital requirements appropriately reflect the risks associated with increasingly complex reinsurance structures.

Canadian insurance requirements can vary by province and coverage type, making effective coordination with the organization’s global program essential to reducing coverage gaps, inconsistencies, and compliance issues. A well-structured Reverse Flow program combines local Canadian expertise with global oversight, helping protect Canadian operations while supporting the organization’s broader international insurance strategy.

From Credit Risk to Business Confidence. Trade Credit Insurance protects businesses against losses resulting from a client’s failure to pay commercial debt; helping to stabilize cash flow, support borrowing capacity, and enable confident growth.

India maintains a large and rapidly growing insurance market, supported by strong economic growth, expanding commercial activity and increasing demand for insurance protection. The sector is primarily regulated by the Insurance Regulatory and Development Authority of India (IRDAI), which oversees insurers, reinsurers and insurance intermediaries.

Belgium has a mature, highly regulated insurance market governed by both national and EU frameworks, including **EIOPA, Solvency II and the Insurance Distribution Directive (IDD)**, with a strong focus on regulatory compliance, consumer protection and insurer solvency.

An MWB Global Spotlight is your one-stop resource for the regulatory, compliance, insurance, risk, and business considerations shaping a particular region of the world, providing our clients and broker partners with the local insight they need to make informed decisions across global operations. Discover the risks, regulations, and insurance considerations shaping this market in our latest MWB Global Spotlight.

An MWB Global Spotlight is your one-stop resource for the regulatory, compliance, insurance, risk, and business considerations shaping a particular region of the world, providing our clients and broker partners with the local insight they need to make informed decisions across global operations. Discover the risks, regulations, and insurance considerations shaping this market in our latest MWB Global Spotlight.

What types of exposures exist in this country? What do their local insurance policies cover? Do their local insurance policies conflict with or provide coverage that is consistent with the Master Insurance Policy? How do I close the gaps to safeguard my business? The answers to those questions can be found within this article. But before we go into the purpose and benefits of a Global Master Insurance Policy, let’s consider what it looks like without one.

The most critical risks for multinational corporations are not just financial—they span political, regulatory, operational, technological, and reputational domains. The complexity comes from how interconnected they are; a political disruption can trigger supply chain issues, which may amplify financial losses and reputational damage.

This MWB Global Risks Report provides a focused overview of Difference-in-Conditions (DIC), Difference-in-Limits (DIL), and Financial Interest (FINC) coverage within multinational insurance programs. The report examines how these coverage mechanisms help address differences in policy terms, conditions, limits, and regulatory requirements across jurisdictions, strengthening protection for organizations operating internationally. The report also explores the role of Global Mas

Starting November 1st, 2025, companies looking to do business in China will be required to pay the full cost of their local insurance policy premiums up front before they can be considered officially covered.

The risk management landscape is rapidly evolving as emerging technologies and changing business expectations reshape how organizations anticipate, assess, and respond to risk. This report examines how supply chain risk has evolved from an operational concern into a strategic business challenge, explores the key forces driving disruption across global supply networks, and highlights how organizations are adapting their risk management and insurance strategies to respond.

MWB Global Risks Industry Guide: Understanding Multinational Insurance. As organizations expand through acquisitions, subsidiaries, joint ventures, and international operations, insurance programs often become fragmented. Without a coordinated global framework, businesses may face regulatory challenges, inconsistent coverage, claims disputes, coverage gaps, and limited visibility into their overall risk profile.

Climate-driven catastrophe losses are increasing in frequency, severity, and financial impact, creating a new reality for organizations around the world. While major catastrophes such as hurricanes, floods, and wildfires continue to generate significant losses, a growing share of damage is now being driven by smaller, more frequent events known as secondary perils. Severe convective storms, localized flooding, wildfires, drought, and extreme heat are producing substantial los

Law No. 1/2026 was published in the Official Gazette on January 7, 2026, and took effect on January 22, 2026. The legislation introduces a mandatory insurance requirement for individuals entrusted with managing public resources, requiring coverage to be in place before they assume their duties. The insurance must respond to financial losses arising from gross negligence, and insurers are designated as necessary joint parties in any related liability proceedings.