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Illustrated portrait of Central America and the Caribbean; geographic and cultural interpretation, not regulator premises.
← The regulatory atlasCOUNTRY PERSPECTIVE / Central America and the Caribbean

Separate national jurisdictions

Central America and the CaribbeanNational supervisory authorities

Insurance supervision in Central America and the Caribbean.

AI-generated country illustrationSources checked

01 / The institution

National supervisory authorities

This directory groups ten markets for navigation. Each retains its own regulator, legislation and statistics; there is no single regional insurance licence.

How it is structured

Separate national jurisdictions

Institutional source ↗

The legal foundations

Mandate, written into law.

Establishing legislation and the rules governing insurance may be different instruments.

01

National jurisdiction

Costa Rica · SUGESE ↗

Law 8653/2008 creates SUGESE. It is attached to the central bank with maximum administrative deconcentration.

04

National jurisdiction

Honduras · CNBS ↗

Insurance and Reinsurance Institutions Law and related financial legislation.

08

National jurisdiction

Jamaica · FSC ↗

FSC Act, Insurance Act and Insurance Regulations.

02 / Market signals

The numbers, with context.

Figures retain the reporting period and accounting basis of their source. They are snapshots, not live indicators or directly comparable country rankings.

Insurance penetration. These jurisdictions do not share a single insurance penetration ratio. Any figures below apply only to the expressly named market.

03 / The report notebook

A dated view of the market.

What we noted in the regulator’s publications. Each entry separates the period covered, publication date when known, and our review date.

04 / Official contacts

Reach the institution.

Public institutional channels, checked 17 September 2026.

Trinidad and Tobago · Central Bank
Official supervisory or legal informationSource ↗

Research trail

Sources you can follow.

Independent editorial research by Insurers Global. Source dates do not certify that a law includes every subsequent amendment.

  1. Sobre Sugese ↗Checked
  2. Sobre Sugese ↗Checked
  3. Ley de la Actividad ↗Checked
  4. LEY DE SUPERVISIÓN Y ↗Checked
  5. Leyes Relacionadas - Comisión Nacional de Bancos y Seguros ↗Checked
  6. 25-08-10  LA GACETA - DIARIO OFICIAL  162 ↗Checked
  7. Ley-012-2012 - SSRP ↗Checked
  8. LEY NO. 146-02 SOBRE: ↗Checked
  9. Legislation - Financial Services Commission ↗Checked
  10. Cen t r al Ban k o f Tr in id ad an d To bag o ↗Checked
  11. Cap. 310 Insurance ↗Checked
  12. Jurisdiction-specific supervisory publications ↗Checked

Country scenes are AI-generated illustrations made with OpenAI image tools, not official regulator photographs or endorsements. Quotations remain searchable text. Report figures and directory verification are maintained separately.