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.

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.

Since 2020, organizations have faced an unprecedented series of disruptions, including pandemics, geopolitical tensions, labour shortages, cyber incidents, extreme weather events, and transportation bottlenecks. Events once considered isolated have demonstrated the ability to trigger consequences across entire industries and regions. As a result, supply chain resilience has become a priority not only for operations teams, but also for executives, boards of directors, insurers

The global insurance industry is undergoing one of the most significant transformations in decades. As organizations face increasingly complex exposures ranging from cyberattacks and climate risks to supply chain disruptions, insurers are rapidly shifting away from traditional underwriting models toward more advanced, data-driven strategies.

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.

International business comes with international risk. It’s a fact. Going international opens businesses up to risks and complexities that domestic businesses often don’t need to worry about. Since every country has different insurance laws, regulations, and requirements, it’s vital that every business considering expanding across the ocean conducts critical due diligence.