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.

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.

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.

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.

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.

This MWB Global Risks Report provides a focused overview of Difference-in-Conditions (DIC), Difference-in-Limits (DIL), and Financial Interest (FI) coverage within multinational insurance programs. It examines how these coverage mechanisms help address differences in policy terms, conditions, limits, and regulatory requirements across jurisdictions, strengthening protection for organizations operating internationally.

Wrap-Up Liability Coverage protects your project and everything it entails