Multinational Protection

Protect your business, around the world

In a challenging global landscape, you need a coordinated approach. HUB Multinational Protection combines a master policy with local policies across every country, giving your business comprehensive, compliant protection. Whether you're expanding into new international markets or managing existing global exposures, HUB’s solutions address regulatory requirements that vary from country to country. Wherever your business operates, HUB has you covered.

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Why It Matters

Country-by-country coverage can leave exposures between jurisdictions

Local regulatory requirements — premium payments, mandatory coverage lines, minimum limits, carrier licensing — vary by country and require ongoing monitoring, not a one-time placement. Without a coordinated multinational insurance program, claims can fall through the cracks between jurisdictions, and coverage gaps between a master policy and local requirements can leave exposures unprotected.

HUB's Approach

A single coordinated program, structured for every territory

HUB structures its multinational insurance program around a Controlled Master Program (CMP): a master policy issued in an organization's home country, paired with locally admitted policies in each country of operation. Difference in Conditions/Difference in Limits (DIC/DIL) coverage closes the deficiency between what a local policy provides and what the master policy is designed to deliver, so coverage stays consistent even where local requirements differ.

A single advisor coordinates placement, compliance monitoring and claims across every country of operation, backed by in-country specialists spanning North America, Europe, Asia, Africa, the Middle East and South America. This seamless approach eliminates the need for in-country policies without compromising the quality or scope of protection. Whether you’re expanding into new countries or managing multiple operations, Multinational Protection facilitates the most cost-effective and valuable solutions for your organization’s global insurance needs.