Insurance Business Review LATAMSEPTEMBER 20256Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorRaven Mcguire*Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEditorial StaffAaron Pierce Ava GarciaAlex D'Souza Abhinov PunnakkalJoshua ParkerSarah FernandesEditorialRaven McguireManaging Editoreditor@insurancebusinessreview.comIn Latin America, the nature of risk is shifting. What once felt manageable, like a late shipment or a seasonal disruption, has now become far more complex. Floods are no longer confined to coastal regions, droughts are lasting longer, and financial instability is shaking even the most resilient businesses. For many, traditional insurance simply does not provide the protection needed in this new reality.Independent insurance agencies across the region are responding by rethinking coverage models. Instead of relying only on general liability or property policies, many are expanding into specialized areas such as commercial flood insurance and trade credit insurance. These solutions address challenges that have grown too common to ignore.Flooding is a powerful example. Once considered a local issue, it now affects communities across the continent, damaging infrastructure and disrupting livelihoods. Standard insurance rarely covers these losses, and public support often falls short or arrives too late. Commercial flood coverage offers a way forward, reflecting today's climate risks rather than outdated assumptions.Equally pressing is the financial risk businesses face when clients fail to pay. An unpaid invoice can delay operations, strain payroll, and threaten long-term survival. Trade credit insurance allows businesses to extend credit with confidence, knowing their revenue is protected even in turbulent markets.At the same time, the insurance industry in Latin America is undergoing a quiet revolution. Insurtechs are introducing digital tools that make coverage more accessible and tailored. Agencies are expanding beyond national borders, sharing expertise across countries, and designing policies that feel less transactional and more like true partnerships.This shift is about more than selling policies. By bringing physical, financial, and strategic protection under one roof, independent agencies are helping Latin American businesses stay strong, adaptable, and ready for whatever comes next.Let us know your thoughts!Latin America's New Insurance Landscape: Preparing Businesses for Tomorrow's RisksVisualizersMichael WayneVictor CruzSeptember 2025, Vol 04 Issue 07 (ISSN 2837-1763) Published by ValleyMedia, Inc. To subscribe to Insurance Business ReviewVisit www.insurancebusinessreview.com Email:sales@insurancebusinessreview.comeditor@insurancebusinessreview.commarketing@insurancebusinessreview.comLATAM
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