Insurers, Insurance Intermediaries and Captive Insurers

Licensed Insurers are:

Licence Category A

    * Tower Insurance (Cook Islands) Limited

Approved External Insurer

    * AIA New Zealand 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



     * Lockton Companies NZ Limited Partnership

     * Willis New Zealand Limited


Licensed Captive Insurers are:

Captive Insurer

     * Agaricus Limited

     * AIB Risk Management Limited

     * Ararat Limited 

     * Argosy Cover Limited

     * Contact Energy Risk Limited

     * EastPack Risk Management Limited

     * JPG Captive Limited

     * Juniper Limited

     * Maritime Mutual Insurance Association Limited

     * Meitaki Limited

     * Napier Port IC Limited

     * Ovation Risk Limited

     * Pacific Catastrophe Risk Insurance Company

     * P.F.I. Cover Limited   

     * Prudencia (Asia-Pacific) Insurance Limited

     * Red Stag Risk Management Limited  

     * Seeka Risk Management Limited

     * TePuna Hihiko Risk Limited

External Captive Insurance Manager

     * Willis New Zealand Limited

     * Lockton Companies NZ Limited Partnership

     * Marsh 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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