{
  "dataset": "Insurers Global — Insurance Companies Directory (Africa, Europe, Asia-Pacific, South America and North America)",
  "version": "2026-09-08+af188cb54143",
  "verified": "2026-09-08",
  "licence": "CC BY 4.0 — attribute KAFS North America (Kenbright Actuarial and Financial Services North America), https://insurers.global",
  "data": {
    "slug": "palau",
    "name": "Palau",
    "workbookName": "Palau",
    "continent": "asia-pacific",
    "iso2": "PW",
    "iso3": "PLW",
    "isoNum": "585",
    "composite": null,
    "region": "oceania",
    "regulator": {
      "name": "No insurance supervisor in Palau",
      "acronym": "No insurance supervisor in Palau",
      "website": null,
      "regime": "No insurance statute; the Financial Institutions Act 2001 (26 PNCA Ch. 10) exempts insurers and insurance agencies from FIC oversight",
      "registerSource": "Palau Financial Institutions Commission, \"2024-2025 Annual Report of the Palau Banking Sector\" (17 Apr 2026), section \"Financial Institutions Not Regulated by the FIC\", https://ropfic.org/wp-content/uploads/2026/04/2024-2025-Annual-Report-of-the-Palau-Banking-Sector-April-17-2026.pdf; Bureau of Revenue & Taxation, PGST registry as of 20 Oct 2025, https://www.palaugov.pw/wp-content/uploads/PGST-Registry-as-of-10-20-2025.pdf; First Net Insurance Company, corporate profile (\"Serving Guam, CNMI, Palau, FSM, and the Republic of the Marshall Islands\"), https://firstnetinsurance.net/, retrieved 2026-09-26; NetCare Life and Health Insurance Company, \"About Us\" (products on Guam, CNMI, Palau, FSM and the Marshall Islands), https://www.netcarelifeandhealth.com/footer_content/about.php, retrieved 2026-09-26; AM Best news (10 Oct 2024) on Pacific Indemnity; all retrieved 2026-09-26. No count stated."
    },
    "currency": "USD",
    "currencies": [
      {
        "code": "USD",
        "name": "US dollar",
        "symbol": "$",
        "decimalDigits": 2,
        "countries": [
          "ecuador",
          "marshall-islands",
          "micronesia",
          "palau",
          "timor-leste",
          "united-states",
          "zimbabwe"
        ],
        "usdRate": 1,
        "usdRateYear": 2025,
        "rateSource": "https://api.worldbank.org/v2/country/{iso2}/indicator/PA.NUS.FCRF",
        "rateLicence": "CC BY 4.0",
        "rateSeen": "2026-09-09"
      }
    ],
    "total": 5,
    "byClass": {
      "general-non-life": 2,
      "life": 1,
      "health-medical": 2
    },
    "byGroupType": {
      "foreign-multinational": 5
    },
    "verification": {
      "level": "partial",
      "basis": "register",
      "status": "Partially verified - insurers' own territory statements, an A.M. Best rating release and the Palau PGST registry; no insurance register exists",
      "source": "Palau Financial Institutions Commission, \"2024-2025 Annual Report of the Palau Banking Sector\" (17 Apr 2026), section \"Financial Institutions Not Regulated by the FIC\", https://ropfic.org/wp-content/uploads/2026/04/2024-2025-Annual-Report-of-the-Palau-Banking-Sector-April-17-2026.pdf; Bureau of Revenue & Taxation, PGST registry as of 20 Oct 2025, https://www.palaugov.pw/wp-content/uploads/PGST-Registry-as-of-10-20-2025.pdf; First Net Insurance Company, corporate profile (\"Serving Guam, CNMI, Palau, FSM, and the Republic of the Marshall Islands\"), https://firstnetinsurance.net/, retrieved 2026-09-26; NetCare Life and Health Insurance Company, \"About Us\" (products on Guam, CNMI, Palau, FSM and the Marshall Islands), https://www.netcarelifeandhealth.com/footer_content/about.php, retrieved 2026-09-26; AM Best news (10 Oct 2024) on Pacific Indemnity; all retrieved 2026-09-26. No count stated.",
      "corrections": "No insurer is licensed in Palau because no licensing regime exists. All rows are Guam-based insurers writing Palau risks through local offices or agents (Moylan's Insurance Underwriters (Palau), Inc. and Calvo's Palau Insurance Underwriters, Inc. are agencies/MGAs and are excluded). The PGST registry also shows the trading names \"Poltalia National Insurance\" and \"OCEAN SHIELD INSURANCE GROUP\"; neither could be identified as an insurer, so both are excluded pending research. DB Insurance probably writes in Palau through Moylan's (MGA with a Koror branch), but no Palau-specific source was found, so it is excluded. The Palau National Health Insurance run by the Social Security Administration is a statutory scheme, not an insurer."
    },
    "marketNotes": [],
    "url": "https://insurers.global/countries/palau/",
    "api": "https://insurers.global/api/v1/countries/palau.json",
    "insurersApi": "https://insurers.global/api/v1/countries/palau/insurers.json",
    "insurersPagesApi": "https://insurers.global/api/v1/countries/palau/insurers/pages/1.json",
    "insurers": [
      {
        "slug": "palau-first-net-insurance-company",
        "name": "First Net Insurance Company",
        "country": "palau",
        "class": "general-non-life",
        "classCode": "G",
        "group": "Moylan's Insurance Underwriters",
        "groupSlug": "moylans-insurance-underwriters",
        "groupPlaceholder": false,
        "groupType": "foreign-multinational",
        "verification": "partial",
        "sourceBasis": "First Net Insurance Company, corporate profile (\"Serving Guam, CNMI, Palau, FSM, and the Republic of the Marshall Islands\"), https://firstnetinsurance.net/, retrieved 2026-09-26",
        "classBasis": null,
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "Guam-domiciled P&C insurer; states it serves the Republic of Palau; sold through Moylan's Insurance Underwriters (Palau), Inc., Koror. Cross-border; no Palau licensing regime.",
        "url": "https://insurers.global/insurers/palau-first-net-insurance-company/"
      },
      {
        "slug": "palau-netcare-life-and-health-insurance-company",
        "name": "NetCare Life and Health Insurance Company",
        "country": "palau",
        "class": "life",
        "classCode": "L",
        "group": "Parent not named in register",
        "groupSlug": null,
        "groupPlaceholder": true,
        "groupType": "foreign-multinational",
        "verification": "partial",
        "sourceBasis": "NetCare Life and Health Insurance Company, \"About Us\" (products on Guam, CNMI, Palau, FSM and the Marshall Islands), https://www.netcarelifeandhealth.com/footer_content/about.php, retrieved 2026-09-26",
        "classBasis": null,
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "Guam-domiciled life and health insurer; states it provides health and life products in the Republic of Palau and lists a Koror provider network (incl. Belau National Hospital). Cross-border. Ownership not researched beyond Moylan family officers.",
        "url": "https://insurers.global/insurers/palau-netcare-life-and-health-insurance-company/"
      },
      {
        "slug": "palau-pacific-indemnity-insurance-company",
        "name": "Pacific Indemnity Insurance Company",
        "country": "palau",
        "class": "general-non-life",
        "classCode": "G",
        "group": "Parent not named in register",
        "groupSlug": null,
        "groupPlaceholder": true,
        "groupType": "foreign-multinational",
        "verification": "partial",
        "sourceBasis": "AM Best, \"AM Best Revises Outlooks to Positive for Pacific Indemnity Insurance Company\" (10 Oct 2024), https://news.ambest.com/newscontent.aspx?refnum=261340&altsrc=40, retrieved 2026-09-26",
        "classBasis": null,
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "Guam-domiciled P&C insurer (A.M. Best A-); AM Best says its operations are concentrated in Guam \"with some lesser exposure\" in the FSM and Palau. Cross-border. Ownership not researched.",
        "url": "https://insurers.global/insurers/palau-pacific-indemnity-insurance-company/"
      },
      {
        "slug": "palau-takecare-insurance-company-inc",
        "name": "TakeCare Insurance Company, Inc.",
        "country": "palau",
        "class": "health-medical",
        "classCode": "H",
        "group": "Parent not named in register",
        "groupSlug": null,
        "groupPlaceholder": true,
        "groupType": "foreign-multinational",
        "verification": "partial",
        "sourceBasis": "Palau Bureau of Revenue & Taxation, PGST registry as of 20 Oct 2025, https://www.palaugov.pw/wp-content/uploads/PGST-Registry-as-of-10-20-2025.pdf, retrieved 2026-09-26",
        "classBasis": null,
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "Registered for Palau Goods and Services Tax under its own name. Guam-based health insurer (general knowledge; not stated in registry). Ownership not researched.",
        "url": "https://insurers.global/insurers/palau-takecare-insurance-company-inc/"
      },
      {
        "slug": "palau-calvos-selectcare-insurance-inc",
        "name": "Calvo's SelectCare Insurance Inc.",
        "country": "palau",
        "class": "health-medical",
        "classCode": "H",
        "group": "Parent not named in register",
        "groupSlug": null,
        "groupPlaceholder": true,
        "groupType": "foreign-multinational",
        "verification": "partial",
        "sourceBasis": "SelectCare, \"Contact Us\" (Palau office, JR Professional Bldg., Koror; footer \"Calvo's SelectCare Insurance Inc.\"), https://www.calvos.net/ContactUs.aspx, retrieved 2026-09-26",
        "classBasis": null,
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "Guam-based health insurance provider (\"Guam, Saipan, Palau & Micronesia Health Insurance Provider\") with a Koror office. Related agency Calvo's Palau Insurance Underwriters, Inc. is on the PGST registry. Ownership not researched (Calvo family group presumed from name).",
        "url": "https://insurers.global/insurers/palau-calvos-selectcare-insurance-inc/"
      }
    ]
  }
}