MWB Insights at a Glance: Admitted Insurance vs Non-Admitted Insurance
- Aug 4
- 2 min read
Supporting Compliance Across Borders
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ADMITTED INSURANCE
Admitted insurance refers to coverage issued by an insurer that is licensed to operate in the country where the risk exists.
Since the insurer is authorized by the local regulator, the policy is designed to comply with that country's insurance laws and regulatory requirements.
Admitted insurance helps organizations satisfy local regulatory requirements while providing coverage that is recognized and supported within the jurisdiction where the risk is located.
VS.
NON-ADMITTED INSURANCE
Non-admitted insurance refers to coverage issued by an insurer that is not licensed in the country where the risk exists.
Depending on the jurisdiction, this type of coverage may be permitted under specific conditions and is often used when local insurance markets cannot provide the required coverage or capacity.
Non-admitted insurance can provide valuable flexibility and access to specialized coverage, but its use is governed by local regulations.
A Comparison
5 Things Every Multinational Organization Should Know
DID YOU KNOW?
While no comprehensive global data exists, industry guidance consistently shows that non-admitted insurance requirements vary by jurisdiction.
40-60%
of countries generally permit non-admitted insurance
60-80%
of countries permit non-admitted only under specific conditions
70-90%
of countries generally require admitted insurance for most commercial risks.
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**llustrative only. Insurance regulations vary by country, line of business, and specific circumstances.
Sources: Zurich Insurance Group – "The Importance of Context" and "Understanding the Limits and Opportunities of Freedom of Services Solutions."
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