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Insights & Market Commentary

Practical guidance on commercial insurance and reinsurance for businesses operating in Türkiye — from Neolife Group's broking team.

D&O · Financial Lines

Directors & Officers Liability Insurance in Turkey: What Boards Need to Know

D&O insurance protects directors' personal assets from regulatory investigations, shareholder suits, and wrongful act claims under Turkish and international law.

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Group Health

Group Health Insurance: A Complete Employer's Guide

Everything employers need to know about group health insurance in Turkey: SGK vs private cover, network design, co-payments, loss ratio management and renewal strategy.

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Life Insurance

Life Insurance in Turkey: Types, Coverage and What Employers Need to Know

Group term life, ADD, TPD and critical illness — a practical guide to life insurance in Turkey for employers and HR teams, including SGK context and tax treatment.

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Private Pension

What Is BES? Turkey's Private Pension System Explained

A complete guide to BES (Bireysel Emeklilik Sistemi): 20% government contribution, vesting rules, employer-sponsored group plans, and how a broker adds value.

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Cyber · Energy

Rising Cyber Risk in the Energy Sector: What Turkish Energy Companies Need to Know in 2026

OT/IT convergence, SCADA vulnerabilities, KVKK obligations and cyber insurance structures for Turkish energy companies — GES, RES and HES operators included.

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Construction · Engineering

Construction Completion Insurance in Turkey: CAR, EAR and the Risks Developers Miss

A technical guide to CAR and EAR policies in Turkey — material damage, third-party liability, DSU/ALOP, LEG defective design clauses, and subcontractor cover.

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Group Health · HR

Group Health Insurance as a Strategic HR Asset

How Turkish employers can use group health insurance to compete for talent, manage costs, and build a workforce benefit that outperforms SGK coverage alone.

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Reinsurance

The 2026 Reinsurance Market: Hardening Conditions and What They Mean for Turkish Companies

Global reinsurance capacity is tightening. Turkish cedants face FX exposure, CAT losses, and new treaty terms. An independent broker explains what to expect in 2026.

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Surety Bonds

What Is a Surety Bond? A Practical Guide for Turkish Companies

Surety bonds explained for Turkish businesses: bid, performance and advance-payment bonds, comparison with bank guarantees, premium drivers and SEDDK regulation.

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