---
title: "InsurTech Compliance"
url: "https://legal.ge/en/service/banking-and-finance-law-en/insurtech-compliance-en"
field: "Banking & Finance Law"
description: "InsurTech compliance in Georgia: intermediation, consumer protection and licensing under the Insurance Law. Legal.ge."
reviewed: "2026-07-09"
updated: "2026-10-14"
publisher: "legal.ge"
---

# InsurTech Compliance

> Source: legal.ge, https://legal.ge/en/service/banking-and-finance-law-en/insurtech-compliance-en

## The Legal Framework of InsurTech Compliance in Georgia

Digital channels have changed how insurance is distributed, but the legal perimeter of the insurance market remains the same: intermediation is carried out by insurance agents and insurance brokers, supervision belongs to the State Supervisory Service, and insurance activity begins only with a licence. Under Article 12 of the Law of Georgia on Insurance, intermediary activity in the insurance sphere is carried out by insurance agents and insurance brokers; an insurer may carry on insurance activity both directly and through agents and brokers, but is obliged to carry it out only through a duly registered insurance broker. It follows that an insurtech platform operating as a distribution channel cannot escape the intermediation framework — the only question is under which status and against which requirements it operates. The same article draws the boundary of what is not intermediation: the supply of additional information to a consumer within the frame of another professional activity, where its purpose is not to assist in concluding or performing an insurance contract, does not count. That boundary matters for platforms performing a purely informational function without participating in distribution.

The full text is available on legal.ge after signing in: https://legal.ge/en/service/banking-and-finance-law-en/insurtech-compliance-en

### Can insurance be distributed online without intermediary status?

No — intermediation runs through agent or registered broker status.

### Who registers brokers?

The State Supervisory Service, through a public registry.

### What form must an insurer take?

A joint-stock company; licences cover life, non-life and reinsurance.

### Where does a consumer complain?

The insurer's unit, the court, other institutions and the Service.