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.

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

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

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