加纳执行新的法律,要求为所有进口品提供当地海运货运保险,目的是刺激经济和保费。 Ghana enforces new law requiring local marine cargo insurance for all imports, aiming to boost economy and retain premiums.

加纳于2026年2月1日开始执行一项强制性的当地海运货物保险政策,要求根据2021年《保险法》第222条,国内保险人必须承保所有商业进口货物。 Ghana began enforcing a mandatory local marine cargo insurance policy on February 1, 2026, requiring all commercial imports to be covered by domestic insurers under Section 222 of the Insurance Act, 2021. 尽管该法已存在近20年,但只有6%的进口产品在当地投保,主要原因是认识水平低,贸易融资依赖离岸保险。 Despite the law’s near-20-year existence, only 6% of imports had been insured locally, largely due to low awareness and trade finance dependencies on offshore coverage. 当地承保人声称,他们有能力、资本和再保险支持处理这一转变,官员们预测年收入为3亿GH,保费为1亿美元。 Local insurers assert they have the capacity, capital, and reinsurance backing to handle the shift, with officials projecting GH¢300 million in annual revenue and $100 million in retained premiums. 该政策旨在增加外汇储备、税收和经济稳定,尽管成功与否取决于竞争性定价、高效债权和解决贸易融资障碍。 The policy aims to boost foreign exchange reserves, tax revenue, and economic stability, though success depends on competitive pricing, efficient claims, and resolving trade financing hurdles.