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The insurance, reinsurance and captives market in the Middle East, Africa and South Asia (MEASA) region is experiencing a fundamental transformation.

New opportunities are fuelled by a low base of insurance coverage, increasing health insurance mandates, and trillions of dollars in projects. The region also offers exciting niche opportunities in cyber risk, trade credit, political risk, luxury goods and financial lines.

DIFC provides reinsurers, brokers, independent Managing General Agents and Lloyd's Coverholders a robust, globally recognised regulatory environment within the region. The Centre helps firms manage their set-up costs and time to market.

It delivers providers and brokers access across the region, freeing them from the complexity of conflicting country-level compliance, supervision and reporting requirements.

DIFC laws and regulations accommodate multiple areas of practice in all life and non-life and Islamic (takaful and retakaful) lines of insurance and reinsurance. The Centre offers reasonable capitalisation requirements and a risk-based capital approach that puts no up-front restrictions on insurers’ capital investment strategies.

DIFC also provides an attractive environment for captive insurance companies, with regulations that permit single parent, association and group captives. Smaller companies that don’t have sufficient size to justify a captive can implement DIFC’s Protective Cell Companies structure, which offers lower formation costs and capital requirements.

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Advantages of setting up in DIFC

DIFC is the unrivalled financial hub of the region with an established and tested legal and regulatory framework. Safe and stable, Dubai is a global city and business, trade and tourism centre that’s fully connected to regional and global markets.


Experienced reinsurance set-up and structuring capabilities


Access to insurers and reinsurance brokers from across MEASA markets


Technical underwriters on the ground, in the same time zone

Legal and Regulatory Framework

Although operating independently, the DIFC Authority, the Dubai Financial Services Authority (DFSA) and the Dispute Resolution Authority (DRA) serve a common goal: reinforcing DIFC’s principles of integrity, transparency and efficiency.  

The DIFC Authority is responsible for the guiding strategy, ongoing development and overall public administration of DIFC. The DFSA is the globally recognised independent regulator of financial services conducted in or from DIFC. The DRA provides an English-language, commercial common law judicial system, as well as a dispute resolution platform, and other services to deliver legal excellence in the Middle East.

Register in Three Steps

Simple and straightforward licensing, registration and regulation, makes setting up and operating in DIFC fast and efficient. 

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Discuss your proposed insurance, reinsurance or captives activities with DFSA and DIFC service advisors


Submit application documents 


Receive approvals for licenses, visas and consent notifications 

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Simple and straightforward licensing, registration and regulation, makes setting up and operating in DIFC fast and efficient. 

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