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.

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 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.

As of November 1, 2025, insurers must receive the premium payment before coverage can be issued or become effective under most non-life insurance policies. This “Cash Before Cover” (CBC) requirement changes how multinational programs should be structured and administered. For companies operating in China or including Chinese subsidiaries within global insurance programs, the rule has practical implications for timelines, payment coordination, and coverage continuity. Here

In today’s volatile regulatory and geopolitical environment, a global insurance program cannot be static; it must be resilient, adaptable, and designed to perform under pressure, from all angles. Stress testing your multinational program is not just a technical exercise, it’s a strategic necessity. From regulatory shifts to claims scenarios and coverage gaps, organizations must ensure their program responds as intended when it matters most.