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New technologies and global programmes: Enhancing transparency, communication, and security

New technology has played a vital part in the successful implementation of global insurance programmes by enhancing communication, introducing automation, and strengthening security

19/11/2025 · 3 minute read

John Hills

By John Hills , 

Multinational Advisory Practice Leader

New technology has played a vital part in the successful implementation of global insurance programmes by enhancing communication, introducing automation, and strengthening security — all while maintaining robust controls and thorough checks. Secure platforms are increasingly replacing emails for information sharing, and automation has made systems faster, more efficient, and more accurate.

Clients can log on to platforms and view the exact status of their global programmes in various countries — something that wasn’t possible 10 years ago, he added, speaking on a panel at Commercial Risk’s “Global Programmes Europe 2025” conference.

However, challenges remain when implementing a global programme, as many overseas risk managers have long relied on local contacts to purchase insurance.

The successful introduction of a global programme relies on proactive communication, with a central line of contact established between the local and central business units. Many local businesses have operated independently for years, understand their risks, and are confident in their operations. They do not wish to feel as though they are being directed; rather, they want to be part of the risk conversation and not have decisions imposed upon them.

Instead of taking a top-down approach, company leaders should anticipate the types of questions they may receive from their colleagues overseas and address them openly, emphasising the benefits of a global programme and how these can outweigh any local arrangements or relationships.

Additionally, consistency in coverage, approach, and service levels is also crucial in a global programme, providing risk managers greater control over their multinational arrangements. This level of control is often lacking when managing fragmented, separate local policies across different countries.

Other practical aspects of establishing and managing a global programme were addressed at the conference, including:

How are local retentions determined?

Retentions depend on the local business’s risk appetite and the data available to inform that decision. Local teams are familiar with laws, regulations, market demands, turnover, insured sums, and claims experience. This combined insight shapes the approach to retentions and can be shared with the parent company, ensuring peace of mind for both the local and central businesses.

How are premiums allocated?

A fundamental question is whether any given premium reflects the risk insured and is both fair and reasonable. This requires an understanding of the elements of that risk: its location and exposure, the sums insured and potential limits, and any applicable taxes and tariffs. If risk management is poor and results in higher or worsening claims history, then the premium allocation may need to account for that claims experience. Ultimately, deciding on premium allocation should balance local insights with global considerations.            

What role can a captive play in a global programme?

Captives can provide substantial benefits to global programmes. A major advantage is the potential for premium savings achieved through risk aggregation across the entire programme. Additionally, clients often gain greater input over claims functions and outcomes, which is highly attractive.

Using a captive also demonstrates “skin in the game,” helping convince local businesses that may be reluctant to participate in a global programme. While some may perceive local coverage with lower deductibles as more cost-effective, a captive links them to a wider, more integrated risk management strategy.

Is it important to choose a broker or insurer with a presence in most countries?

Many insurers have the capability to issue policies in over 100 countries, either through their own network or via network partners.

Proactive management of insurance partners is essential to ensure policies are issued on time and client needs are met promptly.

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