Advisory and authorisation support for insurers, reinsurers, captives, and insurance managers establishing in Malta — an EU, Solvency II-aligned domicile regulated by the MFSA.
Malta has established itself as a reputable European Union domicile for insurance and reinsurance. The sector is regulated by the Malta Financial Services Authority (MFSA) within a robust legal framework aligned with EU directives, including Solvency II. zeta. advises insurers, reinsurers, captives, and insurance managers on authorisation, corporate structuring, and ongoing regulatory compliance — guiding clients from initial feasibility through to a fully licensed, operational presence in Malta.
Insurance and reinsurance undertakings licensed in Malta can passport their services across the European Economic Area (EEA), accessing a broad single market without the need for additional authorisations.
Malta is a pioneer in Protected Cell Companies (PCCs) and Incorporated Cell Companies (ICCs), enabling the segregation of assets and liabilities into distinct cells within a single legal entity — effective risk isolation with cost efficiency.
A cost-efficient operating environment compared with other EU jurisdictions, without compromising on regulatory standards or infrastructure quality.
A well-developed ecosystem of legal, regulatory, actuarial, and financial services professionals supported by a highly qualified, English-speaking workforce.
A competitive and fully EU-compliant tax regime, with opportunities for efficiency at both corporate and individual levels, subject to proper structuring and substance.
Malta has attracted multinational groups — including names such as BMW, Nissan, and Vodafone — which have established captive insurance operations on the island to underwrite group risks efficiently.
We manage the regulatory and corporate side of establishing and running an insurance business in Malta, coordinating with actuaries, auditors, and the regulator so you can focus on underwriting and growth.
End-to-end support for MFSA authorisation, including the business plan, programme of operations, governance and risk-management frameworks, and submissions to the regulator.
Formation and structuring of the underlying companies and cells — coordinated with our company formation and corporate services — designed for substance and governance.
Continuing compliance support including regulatory reporting, governance, and AML/CFT — drawing on our regulatory and compliance advisory team.
Back-office accounting, tax, and corporate administration to keep the entity compliant and financially sound year-round.
Single-parent and group captives used to underwrite and retain group risk efficiently within a regulated EU framework.
Direct insurance and reinsurance undertakings authorised to write business across the EEA under Solvency II.
Cell structures that ring-fence assets and liabilities between cells — popular for cell captives and for sponsors hosting multiple programmes.
Authorisation and compliance support for insurance managers, agents, brokers, and other intermediaries operating in or from Malta.
We work with organisations seeking a credible, well-regulated EU base for their insurance operations:
Speak to our team about insurance and reinsurance authorisation, captives, and cell structures in Malta — and we'll advise on the right route for your business.
