Insurance Companies & Brokers

UAE insurance companies and brokers must adhere to strict CBUAE regulatory filings and reporting deadlines under Federal Decree-Law No. (48) of 2023 and Circular 1/2024 to ensure compliance, solvency, and transparency.

Navigate the CBUAE regulatory filings calendar for insurance companies UAE and insurance brokers UAE with precise deadlines. This guide covers annual reports CBUAE, quarterly filings UAE insurance, and on-demand submissions, optimized for RegTech UAE and compliance deadlines 2026.

Key Deadlines for Insurance Companies

• Annual Financial Statements (audited, with P&L, auditor/actuary reports): Submit within 3 months of fiscal year-end (e.g., March 31 for Dec 31 year-end). CEO/General Manager responsible.
• Own Risk and Solvency Assessment (ORSA): Within 4 months of year-end, no later than 30 days before General Assembly.
• Governance, Risk, and Internal Audit Reports: Alongside annual financials (3 months post-year-end). Includes AML self-assessments by Feb 15.
• Quarterly Financial Statements & Solvency Reports: 45 days post-quarter.
• Bi-Annual AML Self-Assessments: Feb 15 and Aug 15. Compliance Officer.

Essential Filings for Insurance Brokers

Under Circular 1/2024 (effective Feb 15, 2025), insurance brokers CBUAE file:

• Annual Governance, Risk, Compliance & Financial Reports: 90 days post-financial year (e.g., March 31). Covers brokerage activities, AML controls.
• Compliance Report: Feb 15 annually. Head of Compliance.
• Quarterly Interim Reports (financials, risk, compliance): 30 days post-quarter. Includes insurer lists, premiums, complaints.
• Board Meeting Notifications: 2 days prior for significant decisions; resolutions immediately after.

Pro Tip: CBUAE demands ad-hoc reports (e.g., Financial Condition Report) promptly. Fiscal years typically end Dec 31, so 2026 deadlines start Jan-Mar. Always check CBUAE portal for updates.