MWB Global Risks Industry Guide: Understanding Multinational Insurance. As organizations expand through acquisitions, subsidiaries, joint ventures, and international operations, insurance programs often become fragmented. Without a coordinated global framework, businesses may face regulatory challenges, inconsistent coverage, claims disputes, coverage gaps, and limited visibility into their overall risk profile.

Starting November 1st, 2025, companies looking to do business in China will be required to pay the full cost of their local insurance policy premiums up front before they can be considered officially covered.

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.

Most Canadian provinces require locally admitted insurance coverage for multinational organizations expanding into Canada. Aligning multinational program structures with Canadian local regulatory requirements requires technical expertise, informed strategy, and disciplined program design.