Insurance supervision, in context
Explore the authorities shaping insurance markets. Their mandates, the rules they uphold, and what their own reports reveal.
01 / Market perspectives
Country portraits with sourced regulator profiles. Report findings carry their own dates and definitions; access gaps are clearly marked.
United KingdomCentral bank + separate conduct authority
Resilience and fair value, under two distinct supervisors.
“confidence in the resilience of the UK financial system is a prerequisite for sustainable growth and innovation.”
PRA Annual Report 2025/26
DenmarkIntegrated financial supervisor
Insurance supervision in Denmark.
Market-rate product share: 83%. Market-rate products generated 83% of gross premiums and accounted for 60% of provisions.
FinlandIntegrated supervisor linked administratively to the central bank
Insurance supervision in Finland.
Different profitability drivers: Investment returns. Non-life underwriting improved, but weaker investment returns reduced overall profitability.
GermanyIntegrated financial supervisor
Insurance supervision in Germany.
Reinsurer SCR coverage: 289.6%. Coverage rose from 282.9% in Q4 2024 to 289.6% in Q4 2025; this figure concerns German reinsurers, not all primary insurers.
GibraltarIntegrated financial supervisor
Insurance supervision in Gibraltar.
Systemic-supervision premium threshold: GBP 650m. The threshold for insurers supervised by the systemic and intensive supervision team rose from GBP 500m to GBP 650m of gross written premiums during the reporting period.
IrelandCentral-bank supervision
Insurance supervision in Ireland.
US share of listed equities: 53%. US issuers accounted for more than half of insurers’ publicly listed equity holdings.
Illustrations generated with OpenAI image tools. They evoke each country; they are not photographs of regulator premises. Quotations are transcribed from the linked sources.
02 / The directory
46 covered markets in Europe. Open an official website to check a licence. Verification badges describe directory register checks, not the completeness of an editorial profile.
Scroll horizontally to compare columns.
| Country | Supervisory authority | Acronym | Website & social accounts | Region | Notes | Insurers | Verification |
|---|---|---|---|---|---|---|---|
| Albania | AFSARead profile ↗ | AFSA | amf.gov.al | South-Eastern Europe | Integrated non-bank authority | 13 | Verified |
| Austria | Finanzmarktaufsicht (FMA)Read profile ↗ | FMA | fma.gv.at | Central Europe | Integrated financial supervisor | 72 | Verified |
| Belarus | Ministry of FinanceRead profile ↗ | Ministry of Finance | www.minfin.gov.by | Eastern Europe & Baltics | Ministry supervision | 16 | Verified |
| Belgium | Banque nationale de Belgique (NBB)Read profile ↗ | NBB / FSMA | nbb.be | Western Europe | Twin peaks: prudential and conduct authorities | 87 | Verified |
| Bosnia and Herzegovina | AZOBIH / entity agenciesRead profile ↗ | AZOBiH / entity supervisors | azobih.gov.ba | South-Eastern Europe | State coordination and entity supervision | 25 | Partial |
| Bulgaria | Bulgarian Financial Supervision Commission (FSC)Read profile ↗ | FSC | fsc.bg | South-Eastern Europe | Integrated non-bank authority | 37 | Verified |
| Croatia | HRVATSKA AGENCIJA ZA NADZOR FINANCIJSKIH USLUGA (HANFA)Read profile ↗ | HANFA | hanfa.hr | South-Eastern Europe | Integrated non-bank authority | 14 | Verified |
| Cyprus | Insurance Companies Control ServiceRead profile ↗ | ICCS | mof.gov.cy | Southern Europe | Ministry of Finance department | 30 | Verified |
| Czechia | Česká Národní Banka (CNB)Read profile ↗ | CNB | cnb.cz | Central Europe | Central-bank supervision | 20 | Verified |
| Denmark | FinanstilsynetRead profile ↗ | DFSA | finanstilsynet.dk | Nordics | Integrated financial supervisor | 83 | Verified |
| Estonia | Finantsinspektsioon (FI)Read profile ↗ | Finantsinspektsioon | fi.ee | Eastern Europe & Baltics | Integrated financial supervisor | 10 | Verified |
| Finland | Finanssivalvonta (FI)Read profile ↗ | FIN-FSA | finanssivalvonta.fi | Nordics | Integrated supervisor linked administratively to the central bank | 46 | Verified |
| France | L’Autorité de Contrôle Prudentiel et de Résolution (ACPR)Read profile ↗ | ACPR | acpr.banque-france.fr | Western Europe | Prudential authority attached to the central bank | 614 | Verified |
| Germany | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)Read profile ↗ | BaFin | bafin.de | Central Europe | Integrated financial supervisor | 499 | Verified |
| Gibraltar | Gibraltar Financial Services CommissionRead profile ↗ | GFSC | www.fsc.gi | Western Europe | Integrated financial supervisor | 54 | Verified |
| Greece | Bank of GreeceRead profile ↗ | Bank of Greece | bankofgreece.gr | Southern Europe | Central-bank supervision | 34 | Verified |
| Guernsey, Jersey and Isle of Man | GFSC / JFSC / IOMFSARead profile ↗ | GFSC / JFSC / IOMFSA | www.gfsc.gg | Western Europe | Three independent supervisory jurisdictions | 430 | Partial |
| Hungary | Magyar Nemzeti Bank (MNB)Read profile ↗ | MNB | mnb.hu | Central Europe | Central-bank supervision | 26 | Verified |
| Iceland | Seðlabanki Íslands - FjármálaeftirlitRead profile ↗ | Central Bank of Iceland | sedlabanki.is | Nordics | Central-bank supervision | 10 | Verified |
| Ireland | Central Bank of IrelandRead profile ↗ | Central Bank of Ireland | centralbank.ie | Western Europe | Central-bank supervision | 177 | Verified |
| Italy | Istituto per la Vigilanza sulle Assicurazioni (IVASS)Read profile ↗ | IVASS | ivass.it | Southern Europe | Specialist authority linked to the central bank | 83 | Verified |
| Kosovo | CBKRead profile ↗ | CBK | bqk-kos.org | South-Eastern Europe | Central-bank supervision | 12 | Verified |
| Latvia | Latvijas BankaRead profile ↗ | Latvijas Banka | bank.lv | Eastern Europe & Baltics | Central-bank supervision | 7 | Verified |
| Liechtenstein | Die Finanzmarktaufsicht Liechtenstein (FMA)Read profile ↗ | FMA | fma-li.li | Central Europe | Integrated financial supervisor | 26 | Verified |
| Lithuania | Lietuvos Bankas (LB)Read profile ↗ | Bank of Lithuania | lb.lt | Eastern Europe & Baltics | Central-bank supervision | 8 | Verified |
| Luxembourg | Commissariat aux Assurances (CAA)Read profile ↗ | CAA | caa.lu | Western Europe | Specialist insurance authority | 268 | Verified |
| Malta | Malta Financial Services Authority (MFSA)Read profile ↗ | MFSA | mfsa.mt | Southern Europe | Integrated financial supervisor | 71 | Verified |
| Moldova | NBMRead profile ↗ | NBM | bnm.md | South-Eastern Europe | Central-bank supervision | 9 | Verified |
| Monaco, Andorra and San Marino | National supervisory authoritiesRead profile ↗ | National supervisory authorities | monentreprise.gouv.mc | Western Europe | Separate national jurisdictions | 24 | Partial |
| Montenegro | Insurance Supervision AgencyRead profile ↗ | ISA | ano.me | South-Eastern Europe | Independent insurance authority | 11 | Verified |
| Netherlands | De Nederlandsche Bank (DNB)Read profile ↗ | DNB / AFM | dnb.nl | Western Europe | Twin peaks: prudential and conduct authorities | 124 | Verified |
| North Macedonia | ISARead profile ↗ | ISA | aso.mk | South-Eastern Europe | Independent insurance authority | 17 | Verified |
| Norway | Finanstilsynet NorwayRead profile ↗ | Finanstilsynet | finanstilsynet.no | Nordics | Integrated financial supervisor | 63 | Verified |
| Poland | Komisja Nadzoru Finansowego (KNF)Read profile ↗ | KNF | knf.gov.pl | Central Europe | Integrated financial supervisor | 47 | Verified |
| Portugal | Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)Read profile ↗ | ASF | asf.com.pt | Southern Europe | Specialist insurance and pensions authority | 38 | Verified |
| Romania | Autoritatea de Supraveghere Financiară (ASF)Read profile ↗ | ASF | asfromania.ro | South-Eastern Europe | Integrated non-bank authority | 24 | Verified |
| Russia | Bank of RussiaRead profile ↗ | Bank of Russia | cbr.ru | Eastern Europe & Baltics | Central-bank supervision | 138 | Verified |
| Serbia | NBSRead profile ↗ | NBS | nbs.rs | South-Eastern Europe | Central-bank supervision | 20 | Verified |
| Slovakia | Národná banka Slovenska (NBS)Read profile ↗ | NBS | nbs.sk | Central Europe | Central-bank supervision | 9 | Verified |
| Slovenia | Agencija za zavarovalni nadzor (AZN)Read profile ↗ | AZN | a-zn.si | Central Europe | Independent insurance authority | 12 | Verified |
| Spain | Dirección General de Seguros y Fondos de Pensiones (DGSFP)Read profile ↗ | DGSFP | dgsfp.mineco.gob.es | Southern Europe | Ministry directorate | 175 | Verified |
| Sweden | Finansinspektionen (FI)Read profile ↗ | FI | fi.se | Nordics | Integrated financial supervisor | 215 | Verified |
| Switzerland | Swiss Financial Market Supervisory Authority (FINMA)Read profile ↗ | FINMA | finma.ch | Central Europe | Integrated financial supervisor | 188 | Verified |
| Türkiye | SEDDKRead profile ↗ | SEDDK | seddk.gov.tr | Southern Europe | Specialist insurance and private pensions authority | 71 | Verified |
| Ukraine | NBURead profile ↗ | NBU | bank.gov.ua | Eastern Europe & Baltics | Central-bank supervision | 54 | Verified |
| United Kingdom | Prudential Regulation Authority & Financial Conduct AuthorityRead profile ↗ | PRA & FCA | www.bankofengland.co.uk | Western Europe | Central bank + separate conduct authority | 448 | Verified |
No markets match that filter.
Entity counts are records in this directory, not regulator-reported market totals. Profiles identify the publications reviewed and disclose remaining source gaps.
Accounts linked by official websites are distinguished from matched institutional profiles awaiting website confirmation. Accounts may belong to parent institutions or cover only part of a grouped market. A listing does not establish current activity. Download regulator JSON with social accounts.
In the EU and EEA each member state has a national competent authority (ACPR in France, BaFin in Germany, the Central Bank of Ireland, IVASS in Italy and so on) and EIOPA maintains the central Register of Insurance Undertakings. The UK and Gibraltar insurers here are on the Bank of England PRA list, Swiss insurers on the FINMA register, and non-EEA markets such as Türkiye, Serbia and Ukraine are supervised nationally.
Open the regulator website linked in the table and look for its register of licensed entities, usually published annually in a gazette or on a "licensed companies" page. This directory links every insurer to its regulator and records which register it was checked against.
Most supervisors publish a full list once a year and announce licence grants or revocations in between. Insurers Global re-verifies against the published register and records the date on each country page.
Regions covered: Nordics, Western Europe, Central Europe, Eastern Europe & Baltics, Southern Europe, South-Eastern Europe. JSON: /api/v1/regulators.json.