{"id":9611,"date":"2026-01-20T17:31:02","date_gmt":"2026-01-20T16:31:02","guid":{"rendered":"http:\/\/explegal.local\/legal-guide-to-cat-nat-insurance-policies\/"},"modified":"2026-07-08T14:54:34","modified_gmt":"2026-07-08T12:54:34","slug":"legal-guide-to-cat-nat-insurance-policies","status":"publish","type":"post","link":"https:\/\/explegal.it\/en\/legal-guide-to-cat-nat-insurance-policies\/","title":{"rendered":"Legal Guide to Cat Nat insurance policies"},"content":{"rendered":"<p>In recent months, increasing attention has been paid by many companies to <strong>the new obligation<\/strong> to take out insurance coverage against damage caused by natural disasters and catastrophic events (the so-called <strong>\u201cCat Nat\u201d policies<\/strong>).<\/p>\n<p>This obligation was introduced by <strong>Article 1, paragraphs 101\u2013112, of Law No. 213 of 30 December 2023 (2024 Budget Law)<\/strong>, and its operational framework was implemented by Ministerial Decree No. 18 of 30 January 2025 (MEF, in agreement with MIMIT). <br \/>The compliance deadlines were subsequently rescheduled by Decree-Law No. 39 of 31 March 2025, converted with amendments into Law No. 78 of 27 May 2025.<\/p>\n<p>Today, <strong>the issue is no longer purely an insurance matter<\/strong>; at least <strong>three significant profiles<\/strong> have emerged:<br \/>1.<strong> imminent deadlines<\/strong> (and selective extensions);<br \/>2. <strong>relations with Public Authorities<\/strong> (grants, subsidies, incentives);<br \/>3. <strong>contractual effects in the market<\/strong> (leases, procurement, supply, financing and M&amp;A), where Cat Nat coverage may become a standard counterparty requirement.<\/p>\n<p><a href=\"https:\/\/explegal.it\/wp-content\/uploads\/2026\/01\/Articolo-AR-per-Piano-Editoriale_Polizze-CAT-NAT_011326eng.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here<\/a> to read the full article and learn more about the new Cat Nat insurance requirement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In recent months, increasing attention has been paid by many companies to the new obligation to take out insurance coverage against damage caused by natural disasters and catastrophic events (the so-called \u201cCat Nat\u201d policies). This obligation was introduced by Article&#8230;<\/p>\n","protected":false},"author":30,"featured_media":9609,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[2655,2738,2668,2658],"class_list":["post-9611","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-alessandro-rossi","tag-cat-nat-policies","tag-insurance","tag-insurance-law"],"acf":[],"_links":{"self":[{"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/posts\/9611","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/comments?post=9611"}],"version-history":[{"count":1,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/posts\/9611\/revisions"}],"predecessor-version":[{"id":9849,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/posts\/9611\/revisions\/9849"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/media\/9609"}],"wp:attachment":[{"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/media?parent=9611"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/categories?post=9611"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/explegal.it\/en\/wp-json\/wp\/v2\/tags?post=9611"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}