Global risk has entered a fundamentally new era. Traditional models built on historical trends, periodic reviews, and static underwriting assumptions are no longer sufficient. Today’s risk environment is dynamic, interconnected, and capable of shifting rapidly across geographies and sectors.

On 30 July 2026, the Insurance Regulatory and Development Authority of India (IRDAI) notified the IRDAI (Insurance Intermediaries) (Amendment) Regulations, 2026, introducing significant changes to the regulatory framework governing corporate agents, insurance brokers, insurance marketing firms, web aggregators and other insurance intermediaries.” (Axco Alerts, 2026).

Understand admitted vs. non-admitted insurance, key regulatory differences, and why many multinational organizations combine global and local policies to support compliance across borders.

On 23 December 2025, the Agency for Regulation and Development of the Financial Market adopted Resolution No. 82, introducing a key provision that requires that insurance brokers disclose their minimum and maximum commission ranges, as well as any affiliated or formal relationships with (re)insurers. The disclosure requirements entered into force on 1 February 2026, formalizing enhanced transparency standards within the insurance distribution process.

This case study examines the challenges of managing insurance across multiple jurisdictions, where differing regulations, policy wordings, and compliance requirements can lead to fragmented coverage, administrative complexity, and limited visibility into global risk.