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Hong Kong Insurance Authority (IA)
The specific acceptance units and authority shall be subject to the latest public information of the Hong Kong Insurance Authority (IA)。
1. Hong Kong Insurance Broker License (IA)：Institutional background and legal basis
Hong Kong insurance brokerage company license is based on the Insurance Ordinance (Chapter 41)，Directly licensed and regulated by the Insurance Authority (IA)。Insurance brokers act on behalf of clients rather than the insurer，License boundaries include advising on insurance contracts、Arranging insurance and related regulated activities；Company registration or general business consultant qualifications are not a substitute for an insurance intermediary license。
Applicants should first confirm that they intend to engage in general business、long term business or both，and customer base、product、Referral and Premium Processing。Corporate insurance brokers must appoint an approved responsible officer，and ensure that persons engaged in regulated activities are appointed as technical representatives；Personnel competency、Ongoing professional training and management supervision must be consistent with actual business。
Important tips：Company license、Responsible personnel and technical representatives have independent requirements。
2. Core regulatory information
regulatory path
Licensed Insurance Brokerage Company and Technical Representative License
Company license、Responsible personnel and technical representatives have independent requirements。
Check the key points
License Scope and Ongoing Obligations
The content has been combined with the disclosure rules of regulatory agencies、Cross-check application material structure and actual business process。
3. Business scope and license boundaries
Scope description
The following content is used to delineate Hong Kong insurance broker licenses (IA)project scope；The final decision should be based on actual business and official approval.。
Insurance product brokerage and advice
Application documents should describe insurance product brokerage and proposed products、client、channel、transaction process、Revenue model and controls。
Analyzing customer needs and arranging insurance
The application documents should describe the analysis of customer needs and the products to be insured.、client、channel、transaction process、Revenue model and controls。
Premium or customer payment processing (if applicable)
Application documents should describe the products for which premiums or customer payments are processed (if applicable)、client、channel、transaction process、Revenue model and controls。
4. Application subject、capital、people and places
Check before applying
The Hong Kong Insurance Authority (IA) usually obtains the、personnel、Review of business authenticity and risk control；Material depth will vary from project to project。
official information：Hong Kong Insurance Authority (IA)。The latest form should be double-checked before submission.、cost、Timeframes and technical requirements。
business plan
Describe the proposed insurance product brokerage and suggestions item by item、Analyzing customer needs and arranging insurance、Premium or customer payment processing (if applicable)，including customers、area、channel、Products and funding flows。
Equity and Management
Disclosure Shareholders、ultimate controller、Directors and key personnel，and be prepared to be honest、Proof of experience and financial resources。
Governance and Control
Establish division of responsibilities、conflict of interest、complaint、outsourcing、business continuity、Cybersecurity and financial controls。
AML/CFT Framework
Establish customer due diligence based on risk assessment、Continuous monitoring、Sanctions Screening、suspicious transaction report、Record keeping and training mechanisms。
Capital and financial resources
Insurance brokerage companies are required to maintain minimum paid-up share capital and net assets in accordance with the current rules of the Insurance Authority，and configure professional indemnity insurance；Current amounts and insurance calculations must be checked directly against the latest IA rules before submission，Cannot continue to use the old industry self-regulatory period standards。
Key People and Governance
Companies must appoint people with academic qualifications、Industry experience、Personnel responsible for management experience and continuing professional training requirements，and ensure that directors、The controller and licensed technical representative meet the fit and proper requirements。
Office and local content
office、Registered address and record keeping location should be checked separately。If the regulatory authority requires local substance，A mail-only virtual address must not be used as a substitute for actual management、customer service、System control and file access arrangements。
5. Government charges and project budgets
The budget should differentiate between statutory expenses、Capital or margin、Company and premises costs、Personnel costs and professional service fees。If there is no official basis, do not write a fixed total price or guarantee the betting period.。
| budget items | Billing basis | Checkpoints |
|---|---|---|
| Regulatory application and annual fees | By license type、Scope of authority、Number of applicants and key personnel，and calculation of the current fee schedule of the competent authority.。 | Only quote the current fee schedule of the competent authority；Third-party service fees must not be packaged as government fees。 |
| capital、Security deposit and insurance | Insurance brokerage companies are required to maintain minimum paid-up share capital and net assets in accordance with the current rules of the Insurance Authority，and configure professional indemnity insurance；Current amounts and insurance calculations must be checked directly against the latest IA rules before submission，Cannot continue to use the old industry self-regulatory period standards。 | Capital is not a service fee，Nor shall it be satisfied by temporary borrowings or funds from unexplained sources.。 |
| Company establishment and statutory maintenance | According to registration place、share capital、registered agent、secretary、Registered address、Separate quotations for annual reports and tax returns。 | The establishment of a company does not mean the approval of a license or the opening of a bank account.。 |
| Office and personnel | by lease、deposit、area、use、local salary、Visa and residency requirement accounting。 | First confirm the substantive requirements for regulatory acceptance，Sign a new lease or hire staff。 |
| system、Systems and professional services | AML/KYC calculation based on business complexity、Sanctions Screening、Transaction monitoring、network security、audit、legal advice、Translation and notarization。 | The quotation should specify the scope、hypothesis、Third-party fees and number of replacement parts。 |
6. Application process and review cycle
The length of the process depends on the complexity of the business、Data completeness and inquiries from the Hong Kong Insurance Authority (IA) or accepting agencies，It is not appropriate to promise a fixed time for approval。
first step：Delineate regulated activities
put product、client、area、Channels and capital flows are mapped to the permitted scope of licensed insurance brokerage companies and technical representative licenses。
Step 2：Design subject and governance structure
Determine the applicant、Equity、director、key personnel、Office space and outsourcing arrangements。
Step 3：Prepare application and institutional documents
Prepare business plan、financial forecast、Organizational structure、Risk assessment and various compliance policies。
Step 4：Submit and receive review
Submit an application to the Hong Kong Insurance Authority (IA)，Reply to addendum、Interview、System demonstration or on-site inspection。
Step 5：Approval and continued compliance
Check license conditions，Complete capital before starting business、personnel、system、Client assets and reporting arrangements。
7. Licensed、Renewal and ongoing supervision
Licensed brokerage firms must continue to meet financial resources、professional indemnity insurance、Responsible personnel and technical representatives、Customer money、Ethics and continuing professional training requirements，and submit audited financial information and regulatory declarations on schedule。personnel、controller、Before address or business scope changes，Prior approval or notification requirements should be checked。
8. 2023–2026 Regulatory Updates and Official Information
Before applying in 2026, you should directly check the IA’s current “Financial and Other Requirements Rules for Licensed Insurance Brokers”、code of conduct、Continuing Professional Training Guidelines and Electronic Application Arrangements。Do not use old titles or old thresholds from the self-regulatory agency era。
Official verification entrance：Hong Kong Insurance Authority：Regulation and licensing of insurance intermediaries。
Information update instructions：regulatory scope、capital、personnel、cost、Time limits and continuing obligations subject to adjustment，Before formal application, the current rules of the competent authority should be followed、The form and case approval shall prevail.。
9. Customer FAQ
Hong Kong insurance brokerage company license is based on the Insurance Ordinance (Chapter 41)，Directly licensed and regulated by the Insurance Authority (IA)。Insurance brokers act on behalf of clients rather than the insurer，License boundaries include advising on insurance contracts、Arranging insurance and related regulated activities；Company registration or general business consultant qualifications are not a substitute for an insurance intermediary license。 Applicants should first confirm that they intend to engage in general business、long term business or both，and customer base、product、Referral and Premium Processing。Corporate insurance brokers must appoint an approved responsible officer，and ensure that persons engaged in regulated activities are appointed as technical representatives；Personnel competency、Ongoing professional training and management supervision must be consistent with actual business。
High-quality applications connect equity to management、Resumes of responsible personnel and technical representatives、business plan、financial resources、professional indemnity insurance、Customer money control、Complaint handling、conflict of interest、Sales process and record samples are placed in the same evidence chain。The supervisory committee will check the business scale and personnel、Are systems and insurance coverage commensurate?。
Licensed brokerage firms must continue to meet financial resources、professional indemnity insurance、Responsible personnel and technical representatives、Customer money、Ethics and continuing professional training requirements，and submit audited financial information and regulatory declarations on schedule。personnel、controller、Before address or business scope changes，Prior approval or notification requirements should be checked。
Before applying in 2026, you should directly check the IA’s current “Financial and Other Requirements Rules for Licensed Insurance Brokers”、code of conduct、Continuing Professional Training Guidelines and Electronic Application Arrangements。Do not use old titles or old thresholds from the self-regulatory agency era。 See the latest rulesHong Kong Insurance Authority：Regulation and licensing of insurance intermediaries。
The system should be based on the company's customers、Country or region、product、Channel and transaction characteristics shape enterprise risk assessment，and fall to customer due diligence、Beneficial owner identification、Continuous monitoring、Sanctions and PEP Screening、Suspicious transaction escalation and reporting、record keeping、Staff training and independent testing。Directly apply common templates、There is no threshold basis or the operation record cannot be displayed，Usually insufficient to prove that the system can actually operate。
Don’t judge based on just a single number。Legal minimum capital should be distinguished、regulatory capital、margin、Insurance、Protection of customer assets and sufficient financial resources to sustain operations，And check the current rules of the Hong Kong Insurance Authority (IA) according to the scope of application and business scale。Source of funds、Financial forecasts and stress scenarios should also be interpretable and verifiable。Special attention should also be paid to this project：Company license、Responsible personnel and technical representatives have independent requirements。
The answer depends on local laws、Eligibility to apply for Licensed Insurance Broker Company and Technical Representative License、Planned activities and outsourcing model。Even if the rules do not uniformly provide for a certain position or area，Hong Kong Insurance Authority (IA) may still focus on decision-making、Record、customer service、Whether risk management and regulatory communications have sufficient local substance；Before leasing space or hiring personnel，Case requirements should be checked first。
Review time is subject to application completeness、business complexity、Key personnel qualifications、Regulatory inquiries、Interviews or system demonstrations and third-party attestation of impact，It is not appropriate to promise a fixed date for approval。The project plan should separately list preparation、submit、Supplementary parts、Technical rectification and post-approval commissioning phase，and retain sufficient buffering；Only the competent authority can decide whether to accept and approve。
Usually not。Applicants should complete supplier due diligence，Describe data flow、service level、Audit right、Subcontract、information security、Business continuity and exit arrangements，and retain the rules、threshold、Alarm handling and major accident supervision capabilities。Whether outsourcing is ultimately allowed and what notification or approval is required，Should be checked in accordance with the current regulations of the Hong Kong Insurance Authority (IA)。
Already submitted、Company registration under review or completion is described as approved。Formal commencement of regulated activities、Actively solicit customers、Before collecting client funds or issuing potentially misleading licensing claims，It should be confirmed that the license has taken effect、The business does not exceed the approved scope，And also check the cross-border marketing rules of the target customer’s location。
Common matters include renewal or annual fees、Regulatory filing、Financial or compliance audit、training、record keeping、Complaint handling、Client Assets and Capital Monitoring，and equity、director、key personnel、address、Business scope、System and major incident notification or prior approval。A compliance calendar and change approval process should be established，and obtain regular rule updates from the Hong Kong Insurance Authority (IA)。
should beHong Kong Insurance Authority (IA)Current regulations issued、Application form、guidelines、The fee schedule and announcement shall prevail。88MSO page is used to help organize questions and materials，Not representing regulatory agencies，Nor can it replace local lawyers、Opinions from tax consultants or competent authorities on individual cases。
You can continue reading based on project boundariesHong Kong Gold and Silver Trading Center License (CGSE)、Hong Kong Money Lenders (ML) License。These pages are used to compare different regulatory pathways or supporting services；Do they need to be processed at the same time?，real product、Customer area、The contracting entity and capital flow shall prevail.。
Government or competent authority fees should correspond to official fee schedules、Payment notice or receipt；capital、margin、Insurance、office、personnel、system、audit、law、Translation and consulting services are independent budget items。Formal quotations should specify the currency、taxes、third party expenses、Applicable Assumptions and Exclusions。
The applicant should be confirmed first、Legal registered address、actual management location、Differences Between Customer Reception Locations and Record Keeping Locations，Recalculation of registration fees、agent or secretary、rent、deposit、furnish、communication、Insurance、Visas and local personnel。Rent an office first and then determine regulatory boundaries，May cause unrecoverable costs。