Since its incorporation in 2005, Aon’s Captive & Insurance Management office in Malta has provided insurance management services to affiliated insurance companies, (re)insurance companies and protected cell companies (PCCs). We manage Aon’s European Protected Cell vehicles, domiciled in Malta, called White Rock, which is one of the leading Protected Cell facilities in the EU. With over 100 years’ combined experience in insurance, we provide our clients with on-going management services, including underwriting, finance, compliance, risk management, company secretarial, reinsurance, claims, investment, regulatory and consulting including Solvency II.

About Malta

Malta is the EU’s smallest member state, situated in the middle of the Mediterranean between Europe and North Africa. Recognised for its pro-business attitude, modern infrastructure and modest costs of doing business, it has become a highly popular country for growth-minded entrepreneurs and multinationals.

Malta is internationally recognised as an excellent financial centre. It is a tax-efficient location for financial services companies looking for an EU compliant domicile which still offers flexibility.

The EU passporting regime allows insurance companies, brokers and other intermediaries to offer their services in any other EU or EEA member state, making Malta a desirable location as an insurance domicile. Indeed many insurers looking for a cost-effective jurisdiction to operate from on an international level are choosing Malta as their base. Malta also has benefits for non-EU insurers and intermediaries looking to tap into the EU insurance market, thanks to its ability to provide insurance directly across Europe, avoiding both fronting costs and collateral requirements.


Maltese law recognises that businesses have many different requirements and provides a beneficial framework for general insurance companies and captive insurance. In Maltese law, captive insurance companies are called ‘Affiliated Insurance Companies’ (AICs). They benefit from a more efficient application process and have attracted international businesses wishing to self-insure or reinsure. Malta is the only full EU member state with legislation attuned to Protected Cell Companies (PCCs), Incorporated Cell Companies (ICCs) and Insurance-Linked Securities (ILSs).

Corporate law in Malta is based on British models, making it easy for foreign practitioners to familiarise themselves with the country’s framework. The Insurance Business Act and the Insurance Intermediaries Act regulate insurance business: the first provides authorisation for, and supervision of, insurance companies by the regulator, whilst the second governs insurance agents, insurance brokers, insurance managers and tied insurance intermediaries. Both Acts comply fully with EU laws, but are also tailor-made to set up a variety of structures, including companies carrying on Affiliated Insurance Business (captives), PCCs, ICCs, reinsurers and insurance intermediaries.

Malta has some 70 double taxation treaties which facilitate access to new markets. The island enjoys political stability coupled with unanimous political support for the country’s position as an international financial centre. Malta also boasts an educated, dedicated and multi-lingual workforce with English as one of its official languages. The banking sector is composed of both reliable Maltese banks and major international banks, providing the highest standards of service to corporate and private clients.

The proactive approach taken by the regulator – the Malta Financial Services Authority (MFSA) – has supported the country in becoming a leading financial centre in Europe.

Our offering includes

Our team

Contact us

Aon Insurance Managers - Malta PCC Limited
Avenue 77, Block A & Block B, Level 3
Triq in-Negozju, Zone 3,
Central Business District, Birkirkara, CBD 3010,
Tel: (+356) 2247 1800

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