Asia: Insurance

In recent years, with the increasing adoption of remote working models, insurance companies in China have been exploring more flexible employment and office arrangements, including work from home, cross-regional working, and sharing office space.

Hot on the heels of adoption of the Sabka Bima Sabki Raksha (Insurance for All, Protection for All) (Amendment of Insurance Laws) Act, 2025 (Amendment Act), the Insurance Regulatory and Development Authority of India (IRDAI) has begun translating the “Insurance 2.0” reforms into its operating framework. Our coverage of the journey so far is set out in our Ergos dated 9 December 2024, 3 February 2025, 5 September 2025, 18 December 2025, 16 January 2026, 4 February 2026 and 15 June 2026.

商业综合责任保险（Commercial General Liability，以下简称“CGL”）是全球商业保险体系中应用极为广泛的责任险种之一，其条款体系起源于美国保险服务办公室（ISO）的标准化文本，承保范围主要涵盖企业在各类商业活动中因意外事件（occurrence）导致的第三方人身伤害或财产损失。目前，CGL在我国主要服务于有产品出