Global Risks
Operating across borders creates opportunity alongside greater complexity. Different regulatory requirements, local insurance markets, contracts, currencies and claims environments can create gaps when risk is managed country by country.
HUB’s Global Risk Solutions specialists help multinational organizations bring these exposures together through coordinated global insurance programs. With international expertise and local market support, we help align coverage, compliance, claims and program management with where your organization operates and where it is going.
Stay Ahead of Business Challenges
Global operations create complexity across every territory
As organizations expand internationally, insurance requirements, regulatory obligations and risk environments can vary significantly from one country to another. Without coordinated oversight, local policies can become fragmented, inconsistent or disconnected from the organization’s broader risk strategy.
Managing insurance separately across multiple countries can result in inconsistent coverage, duplicate policies, inadequate limits and limited visibility into the overall program. As operations expand, those differences can become increasingly difficult for corporate risk teams to manage.
HUB evaluates the organization’s global footprint, existing policies and business activities to help design a coordinated multinational program. Depending on the organization, this may include a master policy, locally admitted coverage and Difference in Conditions (DIC) and Difference in Limits (DIL) protection.
A global program should reflect the organization as a whole while addressing what is required locally.
Greater consistency, visibility and control across the multinational insurance program.
Insurance regulations, mandatory coverage, taxation, policy issuance and other requirements vary by jurisdiction. Local market practices, language and cultural differences can add further complexity as organizations enter or operate across multiple countries.
HUB coordinates local market expertise through a centralized global program, helping organizations understand in-country requirements and align local policies with the broader program structure.
Global coordination does not replace local expertise. It connects it.
A program designed to support local requirements while maintaining centralized oversight.
International insurance programs involve carriers, brokers, policies and stakeholders across multiple jurisdictions. Without clear coordination, routine requests, renewals and claims can become fragmented across local relationships.
HUB provides centralized program oversight supported by local broker partners, with coordination across policy administration, stewardship, claims advocacy and ongoing service. A single global relationship addresses country by country nuances and claims requirements, while connecting itwith the organization’s broader risk strategy.
The strength of a multinational program depends on how well its moving parts work together.
Clearer accountability and more coordinated service across countries, policies and claims.
Our Areas of Expertise
Connect global program design, local compliance and ongoing management
Every multinational organization has a different footprint, operating model and approach to risk. HUB begins with how and where the organization operates, then brings together program structure, local market requirements, coverage and service to help build a global insurance strategy around the business. HUB's global broker partner network spans over more than 110 countries, with access to an extensive network of senior global insurance experts worldwide. Our partners have been selected for their expertise in international business — not just local placements — so that clients benefit from a genuine global experience at the local level.
HUB assesses the organization’s global operations, existing insurance structure and risk profile to help design a coordinated multinational program. Depending on the organization, this may include a Controlled Master Program, locally admitted policies and DIC/DIL protection designed to connect local coverage with the broader global program.
HUB works with local specialists to address country-specific insurance requirements, market practices and policy needs while maintaining centralized oversight. Local policies can be reviewed against available market standards and the organization’s broader program objectives.
Global program management extends beyond placement. HUB coordinates ongoing service across local broker and carrier relationships, including stewardship, policy administration and claims advocacy. Annual reviews are conducted with our global broker network, and findings are provided for insight when requirements or emerging issues may change where the client has operations and active placements.
For organizations with more complex risk financing needs, HUB can incorporate captive-fronted arrangements, reinsurance and other alternative risk structures to help align retention, risk transfer and program economics with the organization’s broader risk strategy.
HUB's Impact
Greater control across a complex global risk landscape
Global insurance programs are tested as organizations expand, regulations change and risks emerge across different markets. HUB helps clients bring greater visibility and coordination to their international programs, identifying gaps, reducing unnecessary complexity and strengthening how coverage is managed across countries.
Case studies
Growth Enabled
Chris Douglass, VP of Finance, Sage Freight, LLC
Insights for your business
Insights and resources for managing global risk
