Insurers, Insurance Intermediaries and Captive Insurers

Licensed Insurers are:

Licence Category A

    * Tower Insurance (Cook Islands) Limited

Approved External Insurer

    * AIA New Zealand Limited 

    * BSP Health Care (Fiji) Limited

    * Chubb Insurance New Zealand Limited

    * Federal Pacific Insurance Limited



Licensed Insurance Intermediaries are:


     * Apex Advice Group Limited

     * Bank of the Cook Islands Limited

     * Cook Islands Motor Centre Limited

     * Federal Pacific Insurance (Cook Islands) Limited

     * Grant Priest



     * Willis New Zealand Limited


Licensed Captive Insurers are:

Captive Insurer

     * Ararat Limited

     * Maritime Mutual Insurance Association Limited

     * Meitaki Limited

     * Ovation Risk Limited

     * Pacific Catastrophe Risk Insurance Company

     * Stonewood Insurance Limited

External Captive Insurance Manager

     * Willis New Zealand Limited


Supervision of Insurers, Insurance Intermediaries and Captive Insurers

All insurers, insurance intermediaries and captive insurers carrying on business in or from the Cook Islands are subject to the provisions of Insurance Act 2008 and Captive Insurance Act 2013 respectively.

Certain exemptions operate for global insurance policies that cover risks located in the Cook Islands. Please refer to the Insurance Act and the Insurance Regulations 2009 for further details of these and all other exemptions

It is an offence for an unlicensed person or entity to carry on insurance business in the Cook Islands.

Applications for an insurance licence should be lodged with the Commission as per the relevant insurance legislation and the prescribed forms available here:



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