Statutory Basis: Insurance Ordinance (Cap. 41)Intermediary Categories: Licensed Insurance Broker Company / Corporate AgencyOfficial Registry: Form NAR1 Annual Returns / Form ND2A Directors AvailableEnforcement Framework: IA Disciplinary Sanctions & Public CensuresLegal Verification: HK Practising CPA CTC Certification Available
Official Hong Kong Insurance Authority Directory: 2,000+ licensed insurance broker companies and corporate agencies under Cap. 41 Insurance Ordinance. Verify regulatory standing, Responsible Officers (Brokers), disciplinary sanctions, CR filings, and CPA CTC certifications on 86hc.com.
Public directory displays the top 5 pages (120 entities). For full licensed register search or corporate penetrating due diligence, please use the search bar above or contact our compliance advisor.
STATUTORY INSURANCE REGULATION & SEARCH GUIDE
Hong Kong Insurance Authority (IA) Licensed Intermediaries Due Diligence Guide
Authoritative statutory guidance grounded in the Insurance Ordinance (Cap. 41) and IA regulatory codes.
01.
Statutory Licensing Status & Intermediary Classification (Insurance Broker vs Corporate Agency)
Under Section 64G of the Insurance Ordinance (Cap. 41), carrying on regulated insurance activities without an IA licence constitutes a criminal offence punishable by a fine up to HK$5,000,000 and 2 years imprisonment. The IA register establishes two principal business forms: ① Licensed Insurance Broker Companies (representing policyholders as independent fiduciaries); and ② Licensed Insurance Agencies (representing insurer principals). 86hc.com verifies licensing categories, IA register codes, effective dates, and statutory conditions.
#Responsible Officer
#Technical Representative
#Fitness and Propriety
#Governance
Pursuant to Cap. 41 Section 64ZE, an insurance broker company or agency must obtain IA approval for its Responsible Officer (RO). The RO must possess verified professional insurance qualifications, satisfy strict CPD requirements, and exercise adequate internal supervision. 86hc.com monitors RO accreditations and technical representative rosters to detect operational compliance voids.
03.
Insurance Authority Disciplinary Decisions, Fines & License Revocations
#Disciplinary Actions
#IA Fines
#Public Reprimand
#Mis-selling
#AML
Under Part X of Cap. 41, the Insurance Authority exercises disciplinary powers including public reprimands, statutory fines up to HK$10,000,000 or three times the profit gained, licence suspensions, and permanent disqualification of key persons. 86hc.com indexes official disciplinary statements to identify mis-selling, fraud, or client money mishandling.
04.
Companies Registry Official Filing Retrieval (Form NAR1 / ND2A Director Filings)
The corporate governance and financial soundness of an insurance broker or agency are filed with the Hong Kong Companies Registry. 86hc.com provides expedited 15–30 minute retrieval of official registry filings (Form NAR1 detailing shareholders and registered capital, Form NNC1, Form ND2A) bearing official receipt timestamps and anti-counterfeiting barcodes.
Insurance broker companies maintaining segregated client money accounts (Premium Accounts) must satisfy stringent bank due diligence under HKMA guidelines. 86hc.com coordinates with Hong Kong Practising CPAs to issue Certified True Copies (CTC) confirming statutory standing for bank account maintenance and institutional partnerships.
Frequently Asked Questions (FAQ)
Common inquiries on IA licensing, broker vs agency classifications, Responsible Officer requirements, NAR1 filings, and CPA CTC certification.
What is a Hong Kong Insurance Authority (IA) Licensed Intermediary?
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Under Cap. 41, an IA Licensed Intermediary is a corporate entity or individual licensed by the independent Insurance Authority to advise on or negotiate contracts of insurance in Hong Kong. Unlicensed activities carry serious criminal sanctions.
What is the legal difference between an Insurance Broker Company and an Insurance Agency?
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An Insurance Broker Company represents the client/policyholder and owes fiduciary duties to find optimal market coverage; an Insurance Agency acts as an agent representing specific authorized insurers. Both require separate statutory licenses.
How to verify the licensing standing of an insurance intermediary on 86hc.com?
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Search by company name, BRN, or IA licence code on 86hc.com to inspect live regulatory standing (Active, Ceased, Suspended), appointed Responsible Officers, and business address details.
What qualifications must an IA Responsible Officer (RO) hold?
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An RO must satisfy the IA "Guideline on 'Fit and Proper' Criteria" (GL23), hold recognized professional designations (e.g. ACII, ANZIIF, FLMI, or equivalent), possess extensive management experience, and complete mandatory annual CPD training.
Can I retrieve official NAR1 Annual Returns and ND2A filings for an IA licensed broker?
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Yes. 86hc.com retrieves official Companies Registry filings (Form NAR1, Form NNC1, Form ND2A) within 15–30 minutes, complete with official receipt timestamps and anti-counterfeiting barcodes.
How does the Insurance Authority penalize non-compliant intermediaries?
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Under Cap. 41 Part X, penalties include public reprimands, pecuniary fines up to HK$10,000,000 or 3 times illicit profit, license suspension, or permanent industry bans.
Why is a Practising CPA Certified True Copy (CTC) needed for an insurance broker company?
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Opening client money premium accounts or establishing agency distribution agreements requires verified constitutive documents. A CTC certified by a Hong Kong Practising CPA satisfies strict HKMA and banking AML scrutiny.
Need priority insurance intermediary filing inspection or CPA CTC certified copies?
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