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Global Rules guides
Climate risk disclosure rules for businesses: where they stand in 2026The SEC climate rule is stayed and proposed for rescission; California's SB 253 first reports are due November 10, and SB 261 is enjoined. Who is covered.ESG and the insurance market: what it means for your coverageESG reaches business insurance through underwriting appetite, greenwashing and governance claims, green rebuilding endorsements and politics.The Federal Insurance Office and federal reachWhat Treasury's Federal Insurance Office does and does not do: monitoring, covered agreements, TRIA support, reports, and where federal law touches insurance.IFRS 17 and insurer accountingWhat IFRS 17 changed in insurer accounting, how the general model and premium allocation approach work, and why U.S. business buyers rarely see it directly.Political risk insurance: what it covers and who needs itPolitical risk insurance covers expropriation, blocked currency transfers, government contract breach and political violence abroad. Who writes it, how to buy.Risk-based capital: how regulators measure insurer strengthHow NAIC risk-based capital works for property/casualty insurers: the formula, the action levels from 300% down to 70%, and why an RBC ratio is not a rating.Sanctions clauses in insurance policiesWhat sanctions clauses such as LMA3100 do, how OFAC risk reaches your policy, and how to read the wording before a claim, cargo shipment or ransom payment.Solvency II, the ICS and global capital rulesHow the EU's Solvency II, the IAIS Insurance Capital Standard and U.S. risk-based capital differ, and why buyers with global insurers should care.