Supervision in the insurance sector

FINMA adopts a principles-based, risk-oriented approach to its supervision of insurance companies. The greater the risk potential of an insurance company, the more intensive the supervision.

FINMA assigns all supervised insurance companies to one of five supervisory categories. This categorisation enables FINMA to implement an appropriate level of supervision and deploy its resources effectively.


Insurance companies are supervised more or less intensively depending on their category. Some supervisory tools are familiar and have been used successfully in the past, while others apply a new dynamic process-based approach. In general terms, they are either: