As regulation, climate risk and captive demand reshape multinational insurance, HDI Global’s Phil McDowell explains why businesses need more than a patchwork of local policies – they need the consistency, control and reach that a truly global programme delivers.
Chief executive emphasises that captives provide a useful tool as part of a multipronged risk strategy, where risk professionals can have greater oversight and influence over the short, medium and long-term management of risks

FERMA and WBCSD are developing a common framework to help companies demonstrate the value of prevention, secure capital and protect insurance capacity
First-half catastrophe losses remained manageable for insurers, but regional extremes, earthquakes, heat and shifting weather patterns show why organisations should use improving market conditions to address gaps in their resilience.
This alternative insurance is a vital tool for risk managers worldwide needing fast liquidity and more certainty in the face of climate volatility. A report from Generali, in partnership with the UNDP’s Insurance and Risk Finance Facility, shows how governments, businesses and critical services are building resilience in these high-risk ...
As cyber threats escalate and insurance markets tighten, a group of major corporates—including Sonepar—are using a mutual captive model to share risk, intelligence and resilience strategies.
Packaging provider DS Smith recognises that cyber is a dynamic risk that demands ongoing evaluation – and traditional insurance modelling wasn’t delivering the goods. A new partnership offers innovative, proactive solutions that mean the difference between merely transferring risk and actually preventing loss. Sara Benwell reports.
As captive arrangements become more popular in the UK, insurers, brokers and regulators are considering how these models can help corporates tackle emerging and complex risks. But as the risk retention versus transfer conversation evolves, how can insurers tap into captives to remain relevant and support their underwriting?
Chief executive emphasises that captives provide a useful tool as part of a multipronged risk strategy, where risk professionals can have greater oversight and influence over the short, medium and long-term management of risks
Local authorities are reassessing their risks, however, an increased focus on self-insurance creates new exposures to manage, says Gordon Winstanley, public sector lead at McLarens
The SR:500 Emerging Risks survey reveals a landscape dominated by accelerating and interconnected threats. Against this backdrop, risk management must be embedded earlier in decision making to strengthen resilience.
Data centres are at the heart of the digital economy, but rapid growth, energy constraints and evolving risks are testing their resilience. At an SR:500 event in partnership with FM, experts discussed the challenges facing the sector and how risk managers are responding.
The executive and professional lines market is offering its most favourable pricing in years – but beneath these softening conditions, global tension, rising insolvencies and digital enforcement are ever-harder to navigate. Smart buyers will use the moment to secure better cover with partners built to last, writes BHSI’s Scotland Walsh-Riddle.
As regulation, climate risk and captive demand reshape multinational insurance, HDI Global’s Phil McDowell explains why businesses need more than a patchwork of local policies – they need the consistency, control and reach that a truly global programme delivers.
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As nat cats grow more severe, insurance gaps are widening - but parametric solutions might hold the key to resilience, says Dianna Nelson, a senior structurer at Swiss Re Corporate Solutions