Despite all the talk about globalization in manufacturing and trade, the world of insurance still poses numerous cultural, legal and logistical challenges for U.S. carriers and brokers doing business in emerging, and even some well-developed foreign markets, top players in the field report.

For one, it still takes size to provide the coverage and services required to cover multinational behemoths, noted Al Tobin, managing director and national property practice leader for Aon Corp.–which rules out all but a few major brokers and insurers for the top tier of the market.

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