JENOA Insurance & Risk Management

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-...

12/01/2026

The proportion of underinsured and uninsured risk in North Africa is significant, with the risk of underinsurance to SMEs remaining an existential threat to their operational and financial security.

In our latest JENOA Insights article we take a closer look at the true costs of underinsurance in North Africa and what must be done in the years ahead to put things in balance.

Read more here https://jenoa.com/en/insights/can-aligning-cover-with-risk-counter-complacency/

The proportion of underinsured and uninsured risk in North Africa is significant. Even in Morocco, which has long been seen as an outlier in a relatively underinsured region with low pe*******on rates, the risk of underinsurance to SMEs remains an existential threat to their operational and financia...

07/01/2026

As we emerge from a year that re-awakened the region to the dangers of geopolitical and cyber risk, opportunities for insurers, re-insurers, MGAs and brokers are nevertheless likely to increase as digitalisation and heightened data visibility give innovators a significant competitive edge.
In our latest JENOA Insights article we take a look at what 2026 might hold for Middle East insurance markets.

Read more here https://jenoa.com/en/insights/what-might-2026-hold-for-middle-east-insurance-markets/

As we emerge from a year that re-awakened the region to the dangers of geopolitical and cyber risk, opportunities for Insurers, re-insurers, MGAs and brokers are nevertheless likely to increase as digitalisation and heightened data visibility give innovators a significant competitive edge. Right acr...

11/12/2025

As countries hosting large international sporting events start to de-risk capital exposures relating to investment in tourism and sporting infrastructure, the opportunity for re-insurers is substantial.

In our latest JENOA Insights article we take a closer look at the challenges and opportunities that lie ahead for brokers and re-insurers.

Read more here https://jenoa.com/en/insights/staying-protected-in-a-competitive-market/

As countries hosting large international sporting events start to de-risk capital exposures relating to investment in tourism and sporting infrastructure, the opportunity for re-insurers is substantial. De-risking MENA’s ongoing capital exposures in the tourism and sport segments offers brokers an...

16/11/2025

Emerging markets present challenges for intermediaries as well as for re-insurers, especially in North Africa and the wider African continent. With those challenges, however, come opportunities to tap into and grow new market segments.
In our latest JENOA Insights article we take a closer look at how brokers can overcome re-insurance scarcity in emerging markets.

Read more here https://jenoa.com/en/insights/how-can-brokers-overcome-re-insurance-scarcity-in-emerging-markets/

Emerging markets present challenges for intermediaries as well as for re-insurers. With those challenges, however, come opportunities to tap into and grow new market segments. After all, hurdles can often act as catalysts for innovation, especially in product development, the deployment of new techn...

17/10/2025

The Financial Conduct Authority (FCA), the regulatory body tasked with policing the UK’s financial services industry, has been in the spotlight recently for its focus on motor GAP insurance. GAP (Guaranteed Asset Protection) insurance, known in the US as Guaranteed Auto Protection, is an adjunct to motor cover that insures the difference between a vehicle’s purchase price or outstanding finance, and its market value at the time of being written off. However, it has recently come to the attention of the FCA that GAP insurance might not be giving consumers fair value.

In our latest JENOA Insights article we take a closer look at the motor GAP insurance sector in the UK.

Read more here https://jenoa.com/insights/the-future-of-uk-motor-gap-insurance-can-it-survive-regulation/

The UK Financial Conduct Authority has been in the spotlight recently for its focus on motor GAP insurance. Guaranteed Asset Protection (GAP) insurance, is an adjunct to motor cover that insures the difference between a vehicle’s purchase price or outstanding finance, and its market value at the t...

04/09/2025

The overall picture for the insurance market across the GCC is one of growth, despite several challenges in 2024. For the full year 2024, the combined after-tax profit of around 80 listed insurers in the GCC reached US$ 2.1 billion, with average net profits rising by over 3%.
In our latest JENOA Insights article we take a closer look at insurance market growth across the GCC, as well as the challenges the industry faces across the six nations that make up the region.

Read more here https://jenoa.com/en/insights/how-did-2024-treat-small-mid-sized-gcc-insurers/

The overall picture for the insurance market across the GCC is one of growth, despite several challenges in 2024. For the full year 2024, the combined after-tax profit of around 80 listed insurers in the GCC reached US$ 2.1 billion, with average net profits rising by over 3%. Performance across the....

10/07/2025

Global sporting events attracting millions of visitors and viewers require meticulous planning and intelligent insurance cover.

In our latest JENOA Insights article we look at organisers’ individual and combined exposure on expenses, investment, costs, liabilities and revenues, and the type of tailored protection required.

Read more here https://jenoa.com/en/insights/de-risking-the-beautiful-game/

In an increasingly complex and interconnected world characterised by deepening levels of unpredictability and uncertainty, the staging of large public events cannot be taken for granted. From security incidents and cyber-attacks to uncontrollable cascading faults, the eventuality that unforeseeable....

24/06/2025

Cyber risk continues to dominate the MENA landscape, with a mixture of financial incentives, geopolitical agendas and bilateral disputes driving an increase in malicious and criminal cyber activity in the region.
In our latest JENOA Insights article we look at the issue in detail and why, despite growing dangers to businesses, there is still a large proportion of uninsured risk in the Gulf and North African regions, coupled with reinsurers’ inability to adequately assess risk and establish probable maximum loss.

Read more here https://jenoa.com/en/insights/why-is-sme-cyber-cover-crucial/

Cyber risk continues to dominate the MENA landscape, with a mixture of financial incentives, geopolitical agendas and bilateral disputes driving an increase in malicious and criminal cyber activity in the region. Yet despite growing dangers to businesses, there is still a large proportion of uninsur...

11/06/2025

🔐 Cyber Risk in Morocco: A Rising Priority 🌍
As digital transformation accelerates across Morocco, so too does exposure to cyber threats. Recent incidents affecting key government institutions have underscored the importance of reassessing both public and private sector cybersecurity posture and resilience.
🌐 JENOA is proud to be a co-sponsor of the upcoming Cyber Risk Conference in Casablanca on June 19, 2025—a timely forum to engage with risk leaders, insurers, and innovators on how best to navigate this evolving landscape. As a Specialist Risk and Reinsurer broker operating from London, JENOA has access to the London and international markets, offering comprehensive solutions for cyber risk mitigation and cyber insurance.
This event comes at a pivotal time as businesses in Morocco and beyond recognize the critical need for proactive measures to protect against evolving cyber threats. Let’s work together to build smarter, stronger defences.