{
  "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": "sao-tome-and-principe",
    "name": "São Tomé and Príncipe",
    "workbookName": "Sao Tome and Principe",
    "continent": "africa",
    "iso2": "ST",
    "iso3": "STP",
    "isoNum": "678",
    "composite": null,
    "region": "central-africa",
    "regulator": {
      "name": "Banco Central de São Tomé e Príncipe",
      "acronym": "BCSTP",
      "website": "https://bcstp.st",
      "regime": "Lei 08/92 (Lei Orgânica do Banco Central) and Decreto-Lei 47/98; BCSTP supervision, licences by order of the Governor",
      "registerSource": "Banco Central de São Tomé e Príncipe, 'Instituições Financeiras - Empresas de Seguro' (https://www.bcstp.st/Instituicoes-Financeiras-Detalhes?cod=SEG, retrieved 2026-09-26): lists 2 insurers, 'SAAR S.Tomé e Príncipe' and 'NICON SEGUROS'. Corroborated by BCSTP 'Supervisão - Empresas de Seguros' page (https://www.bcstp.st/Banco-Central?x=SwLgBoNpb/7IcYkZfC6Zcg==&&z=e7pHX56moyeeYqrLxTGFBQ==, last publication 31 Dec 2023) and BCSTP 2023 insurance-indicators spreadsheet (https://www.bcstp.st/Upload/New_DOC/SB/Indicadores_Seguros_2023.xlsx): 'Número de Empresas de Seguros' = 2 for every year 2018-2023."
    },
    "currency": "STN",
    "currencies": [
      {
        "code": "STN",
        "name": "São Tomé and Príncipe dobra",
        "symbol": "Db",
        "decimalDigits": 2,
        "countries": [
          "sao-tome-and-principe"
        ],
        "usdRate": null,
        "usdRateYear": null,
        "rateSource": null,
        "rateLicence": null,
        "rateSeen": null
      }
    ],
    "total": 2,
    "byClass": {
      "composite": 1,
      "general-non-life": 1
    },
    "byGroupType": {
      "pan-african-group": 2
    },
    "verification": {
      "level": "verified",
      "basis": "register",
      "status": "Verified - full register",
      "source": "Banco Central de São Tomé e Príncipe, 'Instituições Financeiras - Empresas de Seguro' (https://www.bcstp.st/Instituicoes-Financeiras-Detalhes?cod=SEG, retrieved 2026-09-26): lists 2 insurers, 'SAAR S.Tomé e Príncipe' and 'NICON SEGUROS'. Corroborated by BCSTP 'Supervisão - Empresas de Seguros' page (https://www.bcstp.st/Banco-Central?x=SwLgBoNpb/7IcYkZfC6Zcg==&&z=e7pHX56moyeeYqrLxTGFBQ==, last publication 31 Dec 2023) and BCSTP 2023 insurance-indicators spreadsheet (https://www.bcstp.st/Upload/New_DOC/SB/Indicadores_Seguros_2023.xlsx): 'Número de Empresas de Seguros' = 2 for every year 2018-2023.",
      "corrections": "Rows match the BCSTP list exactly (2 of 2). BCSTP history: after independence the colonial insurers merged into 'A Tranquilidade', nationalised as 'A Compensadora' in the 1980s, which ceased business in mid-1996 (excluded - defunct); the sector restarted in November 2001. The BCSTP history page calls the 2001 licensee 'SAT Insurance' (Cameroonian capital); the current list names it 'SAAR S.Tomé e Príncipe' - treated as the same company (a SAAR group web excerpt lists 'SAT in São Tomé' among its companies)."
    },
    "marketNotes": [],
    "url": "https://insurers.global/countries/sao-tome-and-principe/",
    "api": "https://insurers.global/api/v1/countries/sao-tome-and-principe.json",
    "insurersApi": "https://insurers.global/api/v1/countries/sao-tome-and-principe/insurers.json",
    "insurersPagesApi": "https://insurers.global/api/v1/countries/sao-tome-and-principe/insurers/pages/1.json",
    "insurers": [
      {
        "slug": "sao-tome-and-principe-saar-s-tome-e-principe",
        "name": "SAAR S.Tomé e Príncipe",
        "country": "sao-tome-and-principe",
        "class": "composite",
        "classCode": "C",
        "group": "SAAR Group",
        "groupSlug": "saar-group",
        "groupPlaceholder": false,
        "groupType": "pan-african-group",
        "verification": "verified",
        "sourceBasis": "BCSTP, 'Empresas de Seguro' list (https://www.bcstp.st/Instituicoes-Financeiras-Detalhes?cod=SEG) and 'Sobre Empresas Seguradoras' page, both retrieved 2026-09-26.",
        "classBasis": null,
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "BCSTP: 'SAT Insurance ... de capital camaronês, licenciada em 2001 no Ramo Geral, que posteriormente, em 2013, começou a realizar operações no Ramo Vida' - so composite (general since 2001, life since 2013). A SAAR group web excerpt describes SAAR STP as a SAAR Cameroon subsidiary established in 2002 with USD 500,000 initial capital (dates differ from the BCSTP's 2001 licence).",
        "url": "https://insurers.global/insurers/sao-tome-and-principe-saar-s-tome-e-principe/"
      },
      {
        "slug": "sao-tome-and-principe-nicon-seguros",
        "name": "NICON SEGUROS",
        "country": "sao-tome-and-principe",
        "class": "general-non-life",
        "classCode": "G",
        "group": "NICON Insurance",
        "groupSlug": null,
        "groupPlaceholder": false,
        "groupType": "pan-african-group",
        "verification": "verified",
        "sourceBasis": "BCSTP, 'Empresas de Seguro' list (https://www.bcstp.st/Instituicoes-Financeiras-Detalhes?cod=SEG) and 'Sobre Empresas Seguradoras' page, both retrieved 2026-09-26.",
        "classBasis": null,
        "groupBasis": null,
        "lei": null,
        "nationalId": null,
        "notes": "BCSTP: 'A Nicon Seguros SA STP, empresa de seguros, de capital Nigeriano, iniciou a sua actividade em 2008, no Ramo geral.' Full name Nicon Seguros SA STP. The link to NICON Insurance Limited (formerly the National Insurance Corporation of Nigeria) comes from the name, the BCSTP's 'Nigerian capital' and a Nigerian court record describing NICON Seguros STP as a NICON subsidiary; current shareholding not verified.",
        "url": "https://insurers.global/insurers/sao-tome-and-principe-nicon-seguros/"
      }
    ]
  }
}