Compliance for Insurance & Reinsurance Services in Germany
Insurers and reinsurers in Germany operate in a market where German insurance is Europe’s second-largest market with strong mutual and public insurers, supervised by BaFin under Solvency II and VAG requirements. ABM Global Compliance provides Solvency II compliance, governance and ORSA frameworks, IDD obligations, and regulatory reporting built for exactly that environment.
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Solvency II Is Changing Again
The starting point in Germany is the market itself: German insurance is Europe’s second-largest market with strong mutual and public insurers, supervised by BaFin under Solvency II and VAG requirements. The Solvency II review is landing now, with the amended directive and revised delegated regulation applying through 2027, changing risk margin, volatility adjustment, and proportionality together. National law adds its own layer through GwG.
The IRRD adds recovery planning obligations while IDD conduct duties tighten and supervisors run thematic work on value for money. In a market shaped by its scale as Europe’s largest market and post-Wirecard supervisory intensity, BaFin has little patience for arrangements imported unchanged from elsewhere. Preparation quality will separate smooth transitions from expensive ones. Our consultants build compliance for Germany specifically.
How We Support Clients in Germany
For clients in Germany we deliver Solvency II review readiness, governance and key function support, ORSA development, Pillar 3 reporting, IDD compliance, IRRD planning, and training, shaped to this market’s supervisory expectations, including engagement with BaFin,. One team covers the complete relationship.
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Why Clients in Germany Choose ABM
Solvency Depth
Pillar 1, 2, and 3 requirements handled with genuine technical precision every time.
Review Ready
2027 implementation planning that turns regulatory change into managed workstreams every time.
Proportionate Delivery
Frameworks scaled to your undertaking, from captives to cross-border groups every time.
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Insurance Compliance Questions Answered
What is changing in the Solvency II review?
The amended directive and revised delegated regulation adjust risk margin, volatility adjustment, extrapolation, proportionality, and sustainability requirements, with application phasing through January 2027.
What does ORSA actually require?
A forward-looking assessment of your own risks and solvency needs, integrated with strategy and capital planning, documented and genuinely used by the board, including GwG duties.
What is the IRRD for insurers?
The Insurance Recovery and Resolution Directive introduces recovery planning, resolution frameworks, and pre-emptive obligations for insurers, phasing in alongside the Solvency II changes.
Do small insurers get proportionality relief?
Yes. The review expands proportionality, with small and non-complex undertakings gaining reduced requirements, though classification and evidence obligations still apply every time.
Can you support our SFCR and reporting?
Absolutely. We prepare and review SFCRs, RSRs, and QRT submissions across your reporting calendar, strengthening the underlying data quality and keeping every single deadline met.