Insurance Companies

Fully-fledged insurance companies use Malta as an entry point and write third-party business throughout Europe from Malta. Although Malta’s local insurance market is relatively small and concentrated, the country is fast developing itself as a centre for ‘direct writers’.

A Maltese insurance company authorised under the Insurance Business Act, with a head office in Malta, is entitled to write insurance business in any EU/EEA state in exercise of a European Right. Reinsurance may only be carried out if expressly authorised under the Insurance Business Act. Malta serves as an ideal base from which insurance companies can expand into the EU. Maltese insurance companies can write long- term business or general business of all classes.

See the Key Features of Insurance Companies in Malta

6 Benefits of Direct Writing in Malta

Offices in a low-cost jurisdiction: The EU passporting regime allows insurance companies to establish themselves in any member state and offer cross-border services into any other EU country, provided they follow a simple notification procedure and observe local legislation.

Availability of highly qualified staff: As an established finance centre, Malta has an excellent pool of human resources, with many professionals having insurance-specific knowledge and qualifications.

Sophisticated telecoms infrastructure: Although an island at the centre of the Mediterranean, Malta has overcome its physical limitations by establishing one of the most advanced telecommunications networks in Europe.

Access to regional markets: Thanks to Malta’s strategic location, it offers access to Europe and the emerging markets of North Africa and the Middle East.

Classes of long term business:

  • Life and Annuity
  • Marriage and Birth
  • Linked long term
  • Permanent Health
  • Tontines
  • Capital Redemption
  • Pension Fund Management
  • Collective Insurance
  • Social Insurance

Classes of general business:

  • Accident
  • Sickness
  • Land vehicles
  • Railway rolling stock
  • Aircraft
  • Ships
  • Goods in transit
  • Fire and natural forces
  • Other damage to property
  • Motor vehicle liability
  • Aircraft liability
  • Liability for ships
  • General liability
  • Credit
  • Suretyship
  • Miscellaneous financial loss
  • Legal expenses
  • Assistance


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