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.

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.

Insurance programs are designed to respond to risk, but understanding how they perform in the real world is equally as important. This document provides a practical view of the claims process, including how it unfolds, where complexity arises, and how claims are guided from loss to resolution.

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.

This case study underscores a critical reality: in an era of accelerating climate uncertainty, resilience depends not on historical averages, but on proactive, predictive risk insight. Aurelis Industrial Systems, a multinational manufacturer operating across 18 countries, identified a growing disconnect between stable historical loss performance and rising insurance costs.

A Wilson M. Beck Global Risks' Trend Report: Supply-Chain Disruption Signals for 2026. Spot the Signals. Shape the Future. Turning Disruption into Opportunity

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

Law No 1/2026 was published in Italy's Official Gazette on 7 January 2026 and entered into force on 22 January 2026. One of the key provisions in the law, requires individuals managing public resources to obtain compulsory insurance, before taking the office. The insurance policy must cover financial damages caused by gross negligence, and the insurer becomes a necessary joint party in related liability proceedings.

On 31 January 2026, it was reported that a new decree issued by the Council of Ministers will take effect in February, directing levies on bank loans, insurance premiums and other sources into the newly created Disaster Risk Response Fund. Insurance companies will be required to contribute 1% of all monthly premiums to the Fund

This case study explores the structural and operational challenges organizations encounter when managing insurance programs across multiple jurisdictions. Prepared in collaboration with Taras Stys, Executive Vice President of Wilson M. Beck Global Risks.

The numbers tell a clear story: Catastrophe losses are rising at an alarming pace - and its only accelerating. Implication for Multinational Organizations? Catastrophe volatility is becoming a predictable feature of the business environment even if individual events remain unpredictable.

A Wilson M. Beck Global Risks’ Industry Guide: Understanding Multinational Insurance

After several years of sustained rate increases and tightening underwriting conditions, the commercial insurance market is demonstrably shifting. Multiple global indices now confirm that pricing has stabilized - and in come cases have even declined - marking a clear transition from the hard market conditions of 2020–2023.

The Future of Risk Management is Here: The risk management landscape is rapidly evolving as emerging technologies and changing business expectations reshape how organizations anticipate, assess, and respond to risk. One of the most significant trends is the increasing role of artificial intelligence (AI) and machine learning (ML) in driving predictive insights.

In 2026, the question of global volatility is no longer a question; it is no longer a temporary issue that underwriters and insurers need to weather until it passes and the industry reverts back to “normal.” Instead, persistent geopolitical unrest, accelerating climate change, and deepening supply chain fragility have collectively redefined the risk landscape, creating a “new normal” that underwriters, insurers, and insureds need to prepare for as much as possible if they are

Although it may seem like underwriters are loyal to the industry, they are just as loyal to their clients. They may not always make it seem this way, but it's largely due to the red-tape they are consistently restricted by. In fact, there are a number of things underwriters prioritize that most are not even aware of.

Delivering state-of-the-art risk engineering solutions that empower global enterprises to elevate their risk management strategies and strengthen long-term resilience.

Risk Engineering is the technical, hands-on portion of risk management. Specialized risk engineers go even further than simply identifying and planning; they review the data, they perform audits, they assess all present risk mitigation strategies; they get right down to the nittygritty.

Risk Engineering is the technical, hands-on portion of risk management. Specialized risk engineers go even further than simply identifying and planning; they review the data, they perform audits, they assess all present risk mitigation strategies; they get right down to the nittygritty.

Risk Engineering is the technical, hands-on portion of risk management. Specialized risk engineers go even further than simply identifying and planning; they review the data, they perform audits, they assess all present risk mitigation strategies; they get right down to the nittygritty.