MWB Case Study: ONE PROGRAM: 12 COUNTRIES

Jun 29
5 min read

How a Unified Global Program Can Make All the Difference

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MWB Global Risks' Case Study: Turning Complex Risks Into Practical Solutions

Please note: This article is a summary of the case study. To download the full case study, click below

Case Study Overview

This case study examines the challenges of managing insurance across multiple jurisdictions, where differing regulations, policy wordings, and compliance requirements can lead to fragmented coverage, administrative complexity, and limited visibility into global risk.

The study also demonstrates how a coordinated multinational insurance program can improve coverage consistency, strengthen compliance, enhance governance, and provide leadership with greater insight into global exposures.

CASE STUDY TABLE OF CONTENTS:

This case study has been structured using the standard, traditional case study format that is used throughout the MWB Global Risks Case Study Series. This consistent approach provides a clear, step-by-step overview of the client's challenges, objectives, recommended solutions, implementation process, and key outcomes, allowing readers to easily navigate and compare each case study in the series.

The Purpose
The Context
The Problem
- Example 1: Duplications in Coverage
- Example 2: Gaps in Coverage
The Objectives
Organization's Key Priorities
The Solution
- 8 Phases of Alignment
From Fragmentation to Coordinating
The Implementation
- Phases of Implementation
The Results

This document is for informational purposes only and is not intended to be exhaustive. No discussions or opinions in this document should be inferred as legal advice. Contact MWB Global Risks for insurance advice customized to your business needs. MWB Global Risks does not accept responsibility for the content of the information provided or any actions made on the basis of the information herein.

MWB Case Study - One Program: Twelve Countries

Case Study Subject

AVENTRA INDUSTRIES

Aventra Industries is a mid-sized manufacturer with operations spanning 12 countries; each country maintained separate local insurance policies. This resulted in a patchwork of coverage that varied in terms, limits, and regulatory compliance, creating a fragmentation of inefficiencies, increased administrative burden, and exposed the organization to potential gaps in protection.

INDUSTRY	HEADQUARTERS	GLOBAL PRESENCE	EMPLOYEES	REVENUE	OPERATIONS
Industrial manufacturing (specializing in automotive components and machinery).	Germany	Operations in 12 countries, including Germany, France, Italy, UK, USA, Brazil, China, India, Japan, Mexico, Poland, and South Africa.	~5,000 worldwide	Approximately €1.2 billion annually	8 manufacturing plants, 4 distribution centers, and regional sales offices.

CASE STUDY SUMMARY

Aventra Industries operates in 12 countries, with each subsidiary independently purchasing insurance through local brokers and insurers. As a result, the organization maintains 12 separate policies with different carriers, policy wordings, limits, deductibles, exclusions, renewal dates, and claims procedures, without the benefit of a coordinated Global Master Policy.

This decentralized approach limits leadership's visibility into global exposures, coverage consistency, and program performance. Variations in coverage across jurisdictions increase the potential for gaps, overlaps, and uninsured exposures, while multiple renewal dates, regulatory requirements, and reporting obligations create additional administrative complexity, compliance risks, and costs.

Although each subsidiary is insured separately, the organization remains vulnerable when coverage is managed independently across jurisdictions. The following examples illustrate how fragmented insurance programs can create operational, financial, and regulatory risks for multinational organizations.

Although duplicate coverage may appear harmless, the real challenges often emerge during the claims process. When multiple policies respond to the same loss, uncertainty, delays, and unnecessary costs can follow.

Coverage gaps can be more damaging than duplicate coverage because the issue often remains hidden until a loss occurs. When protection is missing, organizations may face uninsured losses, recovery delays, operational disruption, and unexpected financial exposure.

Aventra's Objectives & Priorities

The Case Study details how leadership identified four key priorities that would strengthen coverage consistency, improve governance, simplify program administration, and support the organization's long-term strategic objectives.

The previous examples demonstrated how fragmented insurance programs can create coverage inconsistencies, administrative complexity, and limited visibility across multinational operations. Rather than waiting for these challenges to emerge during a claim, Aventra Industries chose to proactively transition to a coordinated multinational insurance program.

Before implementing the new program, leadership identified four strategic priorities that many multinational organizations face: creating consistent coverage across jurisdictions, simplifying administration, strengthening regulatory compliance, and improving operational efficiency. Addressing these priorities would require more than simply consolidating policies. It demanded a coordinated approach that balanced local requirements with global oversight.

Aventra's Journey to a Unified Global Master Program

Recognizing that fragmented insurance programs require more than a simple policy consolidation, Aventra Industries worked with a specialized multinational insurance advisor to develop a structured strategy for unifying its global insurance program.

Rather than relying on a one-size-fits-all approach, the organization followed a carefully coordinated implementation process designed to address its strategic priorities while balancing global consistency with local regulatory requirements. Each phase built upon the previous one, transforming a decentralized collection of local policies into a more coordinated and resilient insurance framework.

The implementation resulted in meaningful improvements across governance, administration, compliance, and risk oversight, positioning the organization for stronger long-term resilience and more effective management of its multinational operations.

The full case study explores the complete implementation process, the coordinated approach taken, and the measurable benefits achieved following the transition to a unified global insurance program.

Aventra's Global Master Program: A Streamlined & Coordinated Approach

To address these challenges, Aventra Industries partnered with a specialized multinational insurance broker to align its local policies within a coordinated global framework.

The objective was not simply to consolidate coverage, but to create a cohesive insurance program that supported Aventra's key priorities while providing consistent protection across all locations.

Using a highly-structured, multi-phase approach, the specialized broker evaluated existing policies, identified gaps and overlaps, and developed a multinational program designed to balance global consistency with local regulatory and operational requirements.

The structured approach for Aventra Industries included 8 steps to identify exposures, address coverage inconsistencies, ensure regulatory compliance, and establish a framework that supports both global oversight and local requirements.

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The Takeaway: A Summary

Managing insurance across multiple countries involves far more than purchasing local policies. As Aventra Industries discovered, disconnected insurance programs can create hidden coverage gaps, administrative complexity, compliance challenges, and limited visibility into global risk.

By taking a coordinated approach, the organization strengthened its insurance program, improved oversight, and built a framework better suited to support its long-term business objectives.

Could your organization benefit from a more coordinated multinational insurance strategy?

Download the complete case study to explore the full implementation process, key lessons learned, and practical insights that can help strengthen your own global insurance program.

If you'd like to discuss your organization's multinational insurance needs, contact MWB Global Risks to speak with one of our specialists.

Please note: This article is a summary of the case study. To download the full case study, click below

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