The glossary to understand and take action

Insurance Commission (CAA)

The CAA is the supervisory authority for the insurance sector in Luxembourg. Its scope includes, in particular, insurers, reinsurers and intermediaries covered by the applicable framework.

Administration ou organisme professionnel · Luxembourg Fiduciaries Editorial Team · Reviewed on

Understand the scope

Its role for your business

Taking out insurance for a business and carrying out an insurance distribution activity are two different situations. The latter may require a specific status or authorisation.

In your file

When to contact them and what to prepare

Before offering an insurance product or service, describe your role, remuneration and contractual relationships. Check the conditions in the CAA resources and the relevant registrations. Incorporation of a company alone does not allow it to carry out a regulated activity. Compliance with requirements continues after entry into the profession.

A scenario to help you understand

Educational example

An entrepreneur is considering a brokerage activity and checks the sector-specific requirements before starting to distribute contracts.

Fictitious situation, presented to illustrate the concept.

Prepare for what comes next

Points to check

  • Qualifier l’activité d’assurance
  • Vérifier les conditions d’accès
  • Organiser le suivi réglementaire

Connecting concepts

Terms to know as well

Continue with the concepts, contacts and procedures related to this topic.

Business permitThe business permit allows the pursuit of activities subject to it, where the conditions relating to the business and its manager are met.CSSFThe Commission de surveillance du secteur financier (CSSF) is a Luxembourg supervisory authority within the scope assigned to it by law.KYC — know your customerKYC covers customer due diligence procedures used in particular as part of anti-money laundering due diligence obligations.Permanent establishmentA permanent establishment is a concept linking an activity to a territory, assessed under the relevant tax framework.Economic substanceEconomic substance refers to the actual elements of organisation, resources and decision-making assessed in the analysis of an activity or structure.DomiciliationCompany domiciliation organises, in situations provided for by law, the establishment of a registered office with an authorised third party and the agreed services.

Put it into practice

Explore further with our guides

Practical guideSetting up a business in Luxembourg: assessing the feasibility of the project

Sources and verification

References consulted on 20 September 2026. Official procedures specify the applicable conditions and exceptions.

This guide explains a general process. The applicable rules depend on your situation; it does not constitute personalised advice. Report a correction.

A definition gives you a reference point. To examine your situation, clarify your question with a professional.