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Distribution

Carisma is a provider of specialised products and services for insurance brokers, agents, and carriers, offering solutions across underwriting, product design, administration, claims, risk management and distribution, operating in the roles of managing general agent, a wholesale broker and managing underwriter.

Carisma Group has been approved by the Central Bank of Ireland to passport into the following countries for all non-life insurance and general insurances.

Carisma Group is pleased to confrim that the Central Bank of Ireland has approved our passport into the following countries for all non-life insurances and general insurances.

Regulator / Supervisor: Austrian Financial Market Authority (FMA)

Website: https://www.fma.gv.at

Regulator / Supervisor: Financial Services and Markets Authority (FSMA)

Website: https://www.fsma.be

Regulator / Supervisor: Financial Supervision Commission (FSC)

Website: https://www.fsc.bg

Regulator / Supervisor: Croatian Financial Services Supervisory Agency (HANFA)

Website: https://www.hanfa.hr

Regulator / Supervisor: Insurance Companies Control Service (ICCS)

Website: https://www.mof.gov.cy/iccs

Regulator / Supervisor: Czech National Bank (CNB)

Website: https://www.cnb.cz

Regulator / Supervisor: Danish Financial Supervisory Authority (FSA)

Website: https://www.dfsa.dk

Regulator / Supervisor: Estonian Financial Supervision Authority (FSA)

Website: https://www.fi.ee/en

Regulator / Supervisor: Finnish Financial Supervisory Authority (FIN-FSA)

Website: https://www.finanssivalvonta.fi/en

Regulator / Supervisor: Autorité de Contrôle Prudentiel et de Résolution (ACPR)

Website: https://acpr.banque-france.fr/en

Regulator / Supervisor: Federal Financial Supervisory Authority (BaFin)

Website: https://www.bafin.de/EN

Regulator / Supervisor: Bank of Greece

Website: https://www.bankofgreece.gr/en

Regulator / Supervisor: Central Bank of Hungary (MNB)

Website: https://www.mnb.hu/en

Regulator / Supervisor: Central Bank of Ireland

Website: https://www.centralbank.ie

Regulator / Supervisor: Institute for the Supervision of Insurance (IVASS)

Website: https://www.ivass.it/

Regulator / Supervisor: Financial and Capital Market Commission (FCMC)

Website: https://www.fktk.lv/en

Regulator / Supervisor: Bank of Lithuania

Website: https://www.lb.lt/en

Regulator / Supervisor: Commission de Surveillance du Secteur Financier (CSSF)

Website: https://www.cssf.lu/en

Regulator / Supervisor: Malta Financial Services Authority (MFSA)

Website: https://www.mfsa.mt

Regulator / Supervisor: Authority for the Financial Markets (AFM)

Website: https://www.afm.nl/en

Regulator / Supervisor: Polish Financial Supervision Authority (KNF)

Website: https://www.knf.gov.pl/en

Regulator / Supervisor: Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF)

Website: https://www.asf.com.pt/en

Regulator / Supervisor: Financial Supervisory Authority (ASF Romania)

Website: https://www.asfromania.ro/en/

Regulator / Supervisor: National Bank of Slovakia (NBS)

Website: https://www.nbs.sk/en

Regulator / Supervisor: Insurance Supervision Agency (AZN)

Website: https://www.a-zn.si/

Regulator / Supervisor: Directorate-General for Insurance and Pension Funds (DGSFP)

Website: https://dgsfp.mineco.gob.es/

Regulator / Supervisor: Swedish Financial Supervisory Authority (Finansinspektionen)

Website: https://www.fi.se/en

Regulator / Supervisor: Financial Supervisory Authority of Norway (Finanstilsynet)

Website: https://www.finanstilsynet.no/en

Regulator / Supervisor: Financial Supervisory Authority of Iceland (Central Bank of Iceland)

Website: https://www.cb.is/financial-supervision/

Regulator / Supervisor: Financial Market Authority (FMA Liechtenstein)

Website: https://www.fma-li.li/en

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Through our regulatory permissions and European passporting capabilities, we can facilitate solutions across all 18 classes of non-life insurance, tailoring coverage to meet the needs of businesses, organisations, and specialist risks throughout Europe. A detailed list of the classes of business and areas in which we can assist you is provided below. Carisma Group can also assist in any reinsurance needs you might have in the same territories.

  • Accident and Health Insurance (Classes 1 & 2)

    Protection against accidental injury, illness, occupational disease, and related health risks, providing benefits through fixed payments, indemnity cover, or a combination of both.

  • Motor Insurance (Classes 1, 3, 7 & 10)

    Comprehensive cover for motor vehicles, including accidental damage, loss, goods in transit, passenger injury, and third-party liability arising from vehicle use.

  • Marine and Transport Insurance (Classes 1, 4, 6, 7 & 12)

    Insurance solutions for vessels, cargo, goods in transit, passenger risks, and liabilities associated with maritime, inland waterway, and transport operations.

  • Aviation Insurance (Classes 1, 5, 7 & 11)

    Specialist protection for aircraft owners, operators, cargo interests, passengers, and aviation-related liabilities.

  • Insurance against Fire and Other Damage to Property (Classes 8 & 9)

    Cover for physical loss or damage to property resulting from fire, explosion, natural events, theft, malicious damage, and other insured perils.

  • Liability Insurance (Classes 10, 11, 12 & 13)

    Protection against legal liabilities and compensation claims arising from business activities, professional services, motor operations, aviation, and marine exposures.

  • Credit and Suretyship Insurance (Classes 14 & 15)

    Solutions designed to protect against financial loss from credit risks, insolvency, non-payment, and contractual or commercial obligations through surety arrangements.

  • All Classes of Non-Life Insurance

    In addition to the specific classes outlined above, we can support all other classes of non-life insurance permitted by individual Member States and notified in accordance with applicable European regulatory requirements.

Classification of risks according to classes of insurance
  • fixed pecuniary benefits,
  • benefits in the nature of indemnity,
  • combinations of the two,
  • injury to passengers.
  • fixed pecuniary benefits,
  • benefits in the nature of indemnity,
  • combinations of the two.

All damage to or loss of:

  • land motor vehicles,
  • land vehicles other than motor vehicles.

All damage to or loss of railway rolling stock.

All damage to or loss of aircraft.

All damage to or loss of:

  • river and canal vessels,
  • lake vessels,
  • sea vessels.

All damage to or loss of goods in transit or baggage, irrespective of the form of transport.

All damage to or loss of property (other than property included in classes 3, 4, 5, 6 and 7) due to:

  • fire,
  • explosion,
  • storm,
  • natural forces other than storm,
  • nuclear energy,
  • land subsidence.

All damage to or loss of property (other than property included in classes 3, 4, 5, 6 and 7) due to hail or frost, and any event such as theft, other than that included in class 8.

All liability arising out of the use of motor vehicles operating on the land (including carrier’s liability).

All liability arising out of the use of aircraft (including carrier’s liability).

All liability arising out of the use of ships, vessels or boats on the sea, lakes, rivers or canals (including carrier’s liability).

All liability other than those referred to in classes 10, 11 and 12.

  • insolvency (general),
  • export credit,
  • instalment credit,
  • mortgages,
  • agricultural credit.
  • suretyship (direct),
  • suretyship (indirect).
  • employment risks,
  • insufficiency of income (general),
  • bad weather,
  • loss of benefits,
  • continuing general expenses,
  • unforeseen trading expenses,
  • loss of market value,
  • loss of rent or revenue,
  • other indirect trading loss,
  • other non-trading financial loss,
  • other forms of financial loss.

Legal expenses and costs of litigation.

Assistance for persons who get into difficulties while travelling, while away from their home or their habitual residence.