JENOA Insurance & Risk Management

01/10/2026

What if insurance was built on mutual protection instead of risk transfer?

That's takaful. Participants contribute to a shared fund that pays eligible claims, investments follow Shariah principles, and any surplus belongs to the participants' fund, not the operator.

Our latest Industry Q&A explains how takaful works and how it differs from conventional insurance:

Islamic finance and insurance products explained — how takaful works, its core principles, and how it differs from conventional insurance.

29/09/2026

Political events can hurt an investment regardless of how well it's performing. Currency restrictions, expropriation, political violence or a government breaking its contract can all put years of committed capital at risk.

Political risk insurance helps protect international investors against these losses, and it can also make projects more attractive to lenders. Our latest Industry Q&A explains how it works, who provides it and what the claims process looks like.

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International investment always comes with some uncertainty, but political events can create a very different kind of risk. A government can restrict the movement of money, take control of an asset or become unable to honour its contractual commitments. Political risk insurance gives investors prote...

28/09/2026

Small business doesn't mean small risk. A ransomware attack or data breach can hit SMEs hard, and most general liability policies won't cover it.

Our latest Q&A explains what cyber insurance covers, how much you might need, and how good security can improve your terms.

27/08/2026

When it comes to the protection of humanity and the environment, there are obvious and powerful synergies between the principles of Islamic finance and the values encapsulated in the investment principles of ESG (Environmental, Social and Governance).

In our latest JENOA Insights article we take a look at how the principles of Islamic finance compare with ESG.

Read more here https://jenoa.com/en/insights/are-esg-investment-principles-compatible-with-islamic-finance/

When it comes to the protection of humanity and the environment, there are obvious and powerful synergies between the principles of Islamic finance and the values encapsulated in the investment principles of ESG (Environmental, Social and Governance). This alignment exists because Islamic finance di...

01/08/2026

From economic uncertainty, regional instability and geopolitical volatility to supply-chain disruption, cyber threats and extreme-weather events, unpredictability has become one of the biggest challenges facing re-insurers and businesses the world over.

In our latest JENOA Insights article we take a look at how re-insurers and businesses can successfully navigate systematic uncertainty.

Read more here https://jenoa.com/en/insights/how-can-re-insurers-businesses-successfully-navigate-systemic-uncertainty/

From economic uncertainty, regional instability and geopolitical volatility to supply-chain disruption, cyber threats and extreme-weather events, unpredictability has become one of the biggest challenges facing re-insurers and businesses the world over. Disruption has evolved to become more systemic...

13/07/2026

With the ability to react rapidly to changing customer needs and market opportunities, especially in niche segments that are too complex or too dynamic for large carriers, MGAs have the capability to innovate faster, and through MGA-carrier partnerships, re-insurers can gain immediate and responsive access to product innovation in new regions. Click to read the latest JENOA Insights article.

In our latest JENOA Insights article we take a look at why the MGA model is so attractive.

Read more here https://jenoa.com/en/insights/are-mgas-reshaping-the-future-of-insurance-in-the-middle-east/

Dubai has seen major growth in Managing General Agent (MGA) activity in the last 12–18 months, and the momentum behind that growth is likely to have a significant effect on the regional insurance landscape. Mirroring the extraordinary proliferation of MGAs in mature markets such as the UK, the MGA...

08/06/2026

With around 11,000 currently operating worldwide, data centres are not a new phenomenon, but recent growth in the number and sheer scale of new data centres is dramatically changing the market. The Gulf region is playing a major role in this development, with ambitious plans from GCC governments, backed by investment, to transform it into a digital hub.

In our latest JENOA Insights article we take a look at how this rapid growth is opening up new opportunities for re-insurers, with the chance to expand and deepen their offerings for new enterprise, cloud and hyperscale AI data-centre projects where insured values of between US$10 billion and US$30 billion for construction alone are not uncommon.

Read more here https://jenoa.com/en/insights/gcc-data-centres-where-is-the-insurable-risk/

With around 11,000 currently operating worldwide, data centres are not a new phenomenon, but recent growth in the number and sheer scale of new data centres is dramatically changing the market. The Gulf region is playing a major role in this development, with ambitious plans from GCC governments, ba...

15/05/2026

The GCC’s population is forecast to rise to over 80 million by 2050, and mandatory coverage and demographic expansion will remain the core engines of growth.

In our latest JENOA Insights article we take a look at what governments and regulators will need to do to continue building on the success of compulsory cover across the region.

Read more here https://jenoa.com/en/insights/can-mandatory-cover-in-developing-markets-help-increase-insurance-pe*******on/

Although stubbornly low insurance pe*******on rates persist in some MENA markets, gross written premiums are expected to grow in the GCC at a CAGR of over 5% by 2028. As a result of this success, several regulatory initiatives to expand compulsory lines, such as employee benefits and unemployment in...

13/04/2026

Growth in Southeast Asian insurance markets has been outpacing GDP growth in recent years, but the region’s insurance pe*******on rate remains stubbornly low, at less than half the global average.

In our latest JENOA Insights article we take a look – among other things – at how low pe*******on rates in Indonesia endangers a fast-growing digital economy.

Read more here https://jenoa.com/en/insights/can-indonesias-smes-break-free-of-the-regions-persistent-under-insurance-over-exposure/

Growth in Southeast Asian insurance markets has been outpacing GDP growth in recent years, but the region’s insurance pe*******on rate remains stubbornly low, at less than half the global average. Across the risk landscape, protection gaps in natural-catastrophe losses loom large, and low penetrat...

09/03/2026

As the world continues to place more human and economic assets in harm’s way, adaptation to risk from earthquakes, tropical cyclones, flooding, extreme winds and high atmospheric temperatures, for example, is beginning to make those assets more resilient. This, in turn, has helped curtail catastrophic insured losses, but as the world continues to adapt to a changing climate, whether from anthropogenic influences or through natural variability, further long-term softening of the market due to the current over-capacity of alternative capital is hard to predict, especially against the backdrop of a re-insurance industry grappling with the inherent volatility in the frequency and cost of natural catastrophes.

In our latest JENOA Insights article we take a look at whether or not the market is softening for natural catastrophes.

Read more here https://jenoa.com/en/insights/is-the-market-softening-for-natural-catastrophies-a-mirage/

With lower-than-average insured losses from natural catastrophes, last year saw a drop of around 25% compared to 2024’s US$ 140 billion . However, 2025 results are only marginally below the ten-year average, and given the volatility of natural catastrophe frequency, the recent softening of the so-...