5 authorities
Insurance regulators in North America
The supervisory authority for every covered market, with its official website, the regime it applies and how many licensed entities appear in this directory. Use the website link to reach the official register before relying on any entry.
| Country | Supervisory authority | Acronym | Website | Region | Notes | Insurers | Verification |
|---|---|---|---|---|---|---|---|
| Bermuda | Bermuda Monetary Authority | BMA | bma.bm | Bermuda | ~1,100 registered insurers: Class 4 (~45), Class 3A/3B (~150), long-term Classes C-E (~150), captives Classes 1-3/A-B (~650), SPIs and collateralised insurers (~170) | 49 | Partial |
| Canada | Office of the Superintendent of Financial Institutions (federal); AMF Quebec, FSRA Ontario, BCFSA and other provincial regulators for provincially incorporated insurers | OSFI / provincial | osfi-bsif.gc.ca | Canada | ~200 federally regulated insurers; provincially incorporated insurers (Desjardins/Beneva, iA, Gore Mutual, most farm mutuals) are outside OSFI | 198 | Verified |
| Central America and the Caribbean | National superintendencies of Central America and the Caribbean (SUGESE Costa Rica, SIB Guatemala, CNBS Honduras, SSF El Salvador, SIBOIF Nicaragua, SSRP Panama, SIS Dominican Republic, CBTT Trinidad and Tobago among them); Bermuda Monetary Authority; Cayman Islands Monetary Authority | National supervisors | — | Central America & Caribbean | Bermuda (~1,100 insurers) and Cayman (~650 captives) are the region's reinsurance and captive hubs | 15 | Unverified |
| Mexico | Comision Nacional de Seguros y Fianzas | CNSF | gob.mx | Mexico | ~110 insurers and ~15 surety companies (afianzadoras); Patria Re the only domestic reinsurer | 100 | Verified |
| United States | State insurance departments (50 states + DC + territories), coordinated through the NAIC; Federal Insurance Office (Treasury) monitors | NAIC / state DOIs | naic.org | United States | ~5,900 licensed insurers (NAIC); Vermont largest captive domicile (~660), followed by Utah, Delaware, North Carolina, South Carolina, Hawaii, Tennessee, Arizona | 3033 | Partial |
No regulators match that filter.
Frequently asked
Who regulates insurance in North America?
In the United States insurance is regulated by the states: each has an insurance department (the Texas Department of Insurance, the New York DFS, the California DOI and so on) coordinated through the NAIC, with the Federal Insurance Office at the Treasury monitoring, and captives are licensed by their domicile state, led by Vermont. Canada’s federally incorporated insurers answer to OSFI and provincially incorporated ones to the AMF in Québec, FSRA in Ontario, BCFSA and the other provincial regulators. Mexico’s CNSF supervises insurers and surety companies, and the Bermuda Monetary Authority licenses Bermuda’s commercial reinsurers and captives. For this release Canada was reconciled against the OSFI register, Mexico against the AMIS directory and CNSF padrón, the United States against the Texas licence exports and the Vermont captive register, and Bermuda against ABIR membership; the Central American and Caribbean rows are compiled from market knowledge.
How do I check whether an insurer is licensed?
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.
How often are the registers updated?
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: Canada, United States, Bermuda, Mexico, Central America & Caribbean. JSON: /api/v1/regulators.json.