In Côte d’Ivoire, the legal framework for insurance and reinsurance is mainly governed by the 1992 CIMA Treaty, which establishes the Single Insurance Code for the CIMA (Inter-African Conference of Insurance Markets) member states. The 2019 CIMA Insurance Code as amended to date is the main source governing insurance and reinsurance operations in the 14 member countries. It regulates the licensing of insurers, the distribution of insurance products, governance, the protection of insured persons and reinsurance operations. It is supplemented by the regulations, decisions and circulars of the CIMA Council of Ministers, as well as by international conventions ratified by Côte d’Ivoire, particularly in the areas of transport, aviation and prudential regulation.

In addition to the rules enacted under the CIMA framework, the Ivorian sector of insurance and reinsurance is also subject to local laws and regulations, including:

• Order No 2023-875 of 23 November 2023, relating to the Fight against Money Laundering and the Financing of Terrorism and Proliferation;
• the OHADA Company Law, Decree No 0243/MEF/DGTCP of 17 May 2023, on the Organisation of the Insurance Directorate and Establishing its Powers; and
• Decree No 0046 MFB/CAB of 29 January 2025, Authorising the Practice of the Profession of Technical Experts with Insurance Bodies.

Lastly, it is worth noting that due to Côte d’Ivoire’s civil law tradition, the local legal system is fundamentally based on French civil law. Codified law predominates and common law does not apply in Côte d’Ivoire. Case law plays a more limited role, serving mainly to interpret and apply community and national texts.

The insurance sector in Côte d’Ivoire is mainly governed by the CIMA Treaty and the CIMA Code, which constitute a uniform supranational legal framework applicable to all CIMA member states. At the regional level, the Council of Ministers sets policy and adopts regulations, while the enforcement is exercised by the following organs:

• the Regional Insurance Supervisory Commission (CRCA), which supervises the sector at the regional level; and
• the National Insurance Directorate, which regulates the activities at the local level within the territories of the respective CIMA member states.

At the operational level, market access is strictly regulated: insurers, reinsurers and brokers must obtain approval in accordance with the requirements of the Code. CIMA regulations also impose solvency and technical provision rules to ensure the financial soundness of the sector. Reinsurance operations are subject to a framework specified by the Code and regulations aimed at strengthening regional capacities. In addition, the protection of insured persons is based on information requirements, compulsory insurance, governance rules and harmonised accounting standards. Lastly, market participants must comply with anti-money laundering and counter-terrorist financing (AML/CFT) requirements, through CIMA and national mechanisms such as the National Financial Information Processing Units (CENTIF), in an environment marked by ongoing co-operation between national and regional authorities.

The CIMA Treaty establishing an integrated organisation of the insurance industry in African states was signed on 10 July 1992 in Yaoundé (Republic of Cameroon) by the governments of the following 14 member states: Benin, Burkina Faso, Cameroon, Central African Republic, Comoros, Congo, Côte d’Ivoire, Gabon, Equatorial Guinea, Mali, Niger, Senegal, Chad, and Togo.

Within the meaning of Article 16 of the CIMA Treaty, the Regional Insurance Supervisory Commission is the regulatory body of the Conference. It is responsible for supervising companies, ensuring general oversight and contributing to the organisation of national insurance markets.

In the CIMA zone, insurance business is open to any licensed insurance company, while reinsurance is reserved for authorised insurers, local/regional reinsurers and authorised foreign entities. Contracts must comply with the mandatory information requirements set out in Article 8 of the CIMA Code and the risk disclosure rules prescribed by Article 25 of the CIMA Code. Since 2024, the digital underwriting of insurance contracts has imposed stricter information and evidence requirements in accordance with Regulation No 01/CIMA/PCMA/CE/SG/2024.

Consumers benefit from increased protections, including a right of withdrawal and enhanced information requirements. SMEs are subject to the same reporting requirements, with risk-adjusted pricing. Companies may use more technical clauses, subject to rigorous assessment and compliance with the provisioning and solvency rules prescribed by Articles 334 to 337 of the CIMA Code.

Under the CIMA framework, for “large risks” and “peak risks”, which range from insurance for oil platforms to power plants and port facilities, it is possible to reinsure 50% of these risks outside the CIMA area. Beyond that, authorisation from the ministry responsible for insurance is required. It should be noted that this restriction only applies to risks that CIMA considers can be reinsured within the CIMA area; conversely, the five branches corresponding to very large risks ((i) railway vehicle bodies; (ii) aircraft bodies; (iii) maritime, lake, and river vehicle bodies; (iv) civil liability for aircraft; and (v) civil liability for maritime, lake, and river vehicles) can still be 100% reinsured abroad.

On the other hand, “small risks” or “mass risks”, which include automotive/vehicle, accident, health, life, and capitalisation, cannot be reinsured abroad.

Furthermore, reinsurance is subject to a specific regime including mandatory cessions to regional reinsurers and strict solvency control by the regulator. Excess of loss or excess of claims programmes are permitted but must comply with quota share and retrocession rules.

In accordance with Provision 422 et seq of the Ivorian General Tax Code, insurance premiums are subject to a specific taxation known as the Tax on Insurance Contracts (TCA), the rate of which varies according to the nature of the risk covered. Maritime, aviation and river insurance are taxed at a rate of 7%. Fire insurance is taxed at a rate of 25%, except for religious buildings, which benefit from a reduced rate of 12.5%.

Motor insurance, civil liability insurance and most damage insurance policies covered by “other non-life risks” are taxed at 14.5%. Health insurance contracts are subject to a different regime: individual policies are taxed at 8%, while group contracts are subject to a reduced rate of 3%. Certain specific products, such as export credit insurance, benefit from a very low tax rate of 0.1%.

Regarding reinsurance, premiums are exempt from tax when the risk covered is located outside Côte d’Ivoire. This exemption also applies when the risk does not concern an industrial, commercial or agricultural establishment located in Côte d’Ivoire.

Approach to Foreign Insurers and Reinsurers

As a member country of CIMA, Côte d’Ivoire does not allow foreign insurance/reinsurance companies to operate freely on its territory: any foreign company wishing to operate in Côte d’Ivoire must obtain authorisation in accordance with the CIMA Code, with authorisation being granted on a branch-by-branch basis and the application of a company outside the CIMA area including specific documents sent via the national minister to the CRCA.

Restrictions on Foreign Licences and Recognitions

In the CIMA zone, no foreign licence is automatically recognised: there is no prudential passport or equivalent. Any foreign insurance company must obtain specific authorisation, issued by the Minister of Finances after approval by the CRCA, before being in a position to operate in Côte d’Ivoire. Access for foreign reinsurers is also limited; they may only operate if they have a local presence, are covered by a bilateral agreement or are rated by a recognised international agency, in accordance with Articles 812–813 of the CIMA Code.

The terms and conditions for establishment are the same.

• Branch of a foreign company – authorised, but subject to the full approval procedure (submission of application, national review, and CRCA inspection).
• Local subsidiary – also subject to regulatory approval, with capitalisation and governance requirements identical to those of Ivorian entities.

In short, CIMA regulations exclude any form of “passporting”; no foreign authorisation is automatically valid, and any company wishing to operate must go through the approval procedure provided for in the CIMA Code.

The CIMA Code imposes strict specialisation: a company may only operate in the branches for which it has been approved. In reinsurance, recent reforms have tightened restrictions on transfers abroad and favour the use of regional or local reinsurers.

Practical Steps for Obtaining Authorisation/Recognition for Foreign Reinsurance Companies

To obtain authorisation in Côte d’Ivoire, the foreign reinsurance company must first compile a complete file in accordance with Article 806 of the CIMA Code, including the articles of association, the business plan, the financial statements and a certificate of solvency from the head office. This file is then officially forwarded by the Minister of Finances to the CRCA for review. The CRCA, in co-ordination with the national authority, conducts a prudential review of the company’s solvency, governance, AML/CFT compliance and technical capabilities. If the decision is favourable, authorisation is granted by decree published in the official journal, and the company’s activities must be strictly limited to the lines of business for which authorisation has been granted.

Post-Brexit Changes

No specific post-Brexit changes affect the CIMA regime in Côte d’Ivoire, as the framework is based on common regional rules with no direct link to the European Union. British insurers are treated like any foreign company outside the CIMA zone, requiring authorisation and local presence.

In the CIMA zone, including Côte d’Ivoire, fronting is permitted but remains strictly regulated by the prudential requirements of the CIMA Code and the CRCA doctrine. Local insurers may cede a significant portion of the risk to reinsurers, including foreign reinsurers, provided that the cedant retains 50% of the risk. Pure fronting schemes, leading to a total absence of retention, are, in principle, prohibited and liable to be sanctioned.

The regulator also emphasises regional preference in reinsurance and compliance with solvency, governance and anti-money laundering and counter-terrorist financing obligations. Insurers must demonstrate the technical consistency of the transfer, the soundness of the reinsurers selected and the documentary compliance of the transaction, all of which must be available for presentation to national or regional authorities at any time. In practice, fronting therefore remains possible but is only accepted within a rigorous prudential framework, based on a 50% retention, documentary transparency and a real operational role for the local insurer.

The insurance market in Côte d’Ivoire is growing rapidly and undergoing gradual consolidation, with mergers, the creation of subsidiaries and the restructuring of holding companies aimed at strengthening capital and governance. African and foreign investors are attracted to the life insurance, property and casualty insurance, bancassurance, insurance holding companies and insurance brokerage segments. Any acquisition of more than 20% of the share capital of an insurance company or a parent company (holding company) of insurance companies requires prior authorisation from the regulator. This type of transaction must also be notified to the WAEMU Competition Commission for prior approval before completion.

The market factors that could affect merger and acquisition activity or are likely to do so in the future are mainly market growth and technological innovations (insurtech and the digitalisation of insurance and reinsurance operations). In terms of regulatory factors, these include the relaxation of existing regulatory requirements, particularly the implementation of single authorisation within the CIMA zone. The principle of the single licence means that an insurance or reinsurance company can obtain a single authorisation in one CIMA member state, allowing it to operate in the 13 other CIMA member countries without having to obtain an individual licence in each jurisdiction.

The single authorisation is seen as a solution to improve the profitability of companies and reduce investment costs in the insurance sector within the CIMA zone.

In Côte d’Ivoire, the distribution of insurance and reinsurance products is governed by the CIMA Code and supervised locally by the National Insurance Directorate. The market mainly involves brokers, agents and general agents, bancassurance (BIM) which is highly developed for life insurance, and certain property and casualty risks, as well as direct sales and new digital channels. Insurance intermediaries must comply with strict requirements in terms of good repute, capacity, financial guarantees and training, based on Article 500 et seq of the CIMA Code, while reinsurance continues to be brokered between professionals via specialised brokers. Distributors are also subject to transparency and pre-contractual information requirements, as well as anti-money laundering and counter-terrorist financing rules. This framework ensures both the protection of insured persons and the compliance of transactions, while allowing the development of new distribution models on the Ivorian market.

In accordance with the provisions of the CIMA Code, when an insurance contract is negotiated, the insured has no general obligation of spontaneous disclosure. They must simply answer the questions asked by the insurer in the risk declaration form in good faith, while the insurer has an obligation to formulate a clear and comprehensive questionnaire and to carry out the necessary checks. Unintentional omissions on the part of the insured result in a proportional reduction in compensation, while intentional misrepresentations may result in the contract being declared null and void. The insured must also declare any increase in risk anticipated by the insurer during the term of the contract. The legal regime is the same for consumer contracts and commercial contracts, even though, in practice, the insurer’s duty to advise is stricter towards consumers, and commercial contracts often involve more technical information.

Failure by the insured to comply with their obligation to provide information when negotiating the contract has different consequences depending on whether they acted in good or bad faith. In the event of concealment or intentional misrepresentation that alters the nature of the risk or the insurer’s assessment, the contract is void in accordance with Article 18 of the CIMA Code, and any premiums already paid are retained by the insurer, who may also claim any premiums due. On the other hand, according to Article 19 of the CIMA Code, an unintentional omission or error cannot result in nullity: before a claim, the insurer may propose an increase in premium or terminate the contract with a refund of the unearned premium, and after a claim, the indemnity is reduced in proportion to the premium actually paid. Conversely, if the insurer fails in its duty to provide information or advice, it cannot blame the insured for an omission relating to an item that it did not request and may be held civilly liable.

The involvement of an intermediary in the negotiation of an insurance contract depends on their status: the general agent acts in the name and on behalf of the insurer, so that their actions directly bind the company, while the broker acts on behalf of the insured by seeking the best insurance conditions for them, with any breaches binding their own professional liability. In all cases, intermediaries are subject to the obligations set out in Article 529 et seq of the CIMA Code, in particular registration, the duty to provide information and advice, loyalty, confidentiality, transparency, and the diligent transmission of premiums and documents, and any breach of these obligations may result in civil liability.

In Côte d’Ivoire, an insurance contract must be in writing and signed by the insured and the insurer, and must be based on a real and legitimate insurable interest. The contract is characterised by its random, onerous, consensual and often intuitu personae nature: the insured pays a premium and the insurer undertakes to pay a benefit in the event of a claim. To be valid, it must contain at least the identification of the parties, the subject matter of the contract and the risk insured, the amount of cover and guarantees, the premium and its terms of payment, the duration, the obligations of the parties, exclusions and limitations, as well as the terms and conditions for reporting and settling claims and the conditions for terminating or amending the contract as defined by the provisions of Article 8 of the CIMA Code.

In Côte d’Ivoire, third parties such as tenants, subcontractors or mortgagees may be designated as beneficiaries of an insurance contract, provided that their role and right to compensation are expressly mentioned and clearly identified in the contract. These beneficiaries do not become insured in the strict sense, but their inclusion may lead the insurer to request specific information about the risks they represent to determine the appropriate coverage and premium. The insured remains obliged to disclose any relevant information concerning these third parties, and any failure to do so, whether in good or bad faith, may result in a proportional reduction in compensation or the nullity of the contract, in accordance with Articles 18 and 19 of the CIMA Code.

The general principles of the CIMA Code apply to both consumer contracts and reinsurance contracts, but the situation differs in practice. Consumer contracts, taken out by individuals, benefit from enhanced protection with a strict duty of advice on the part of the insurer and a more favourable application of the principle of good faith on the part of the insured, while reinsurance contracts, concluded between informed professionals, are based on greater contractual freedom, in-depth technical and financial negotiations, and liability adapted to omissions or misrepresentations according to the professional nature of the parties.

In Côte d’Ivoire, alternative risk transfer (ART) transactions, such as insurance-linked securities or industrial loss guarantee contracts, are still under-developed. Local insurance companies can theoretically use them, but these instruments are not yet fully integrated into market practice. Regulators in the CIMA zone only recognise instruments that comply with the general conditions of the Insurance Code and can be classified as insurance or reinsurance; to date, no specific framework for ARTs has been formalised, and their implementation may therefore encounter regulatory difficulties, particularly in terms of solvency, governance and accounting recognition. In practice, any ART project requires prior approval from the supervisory authorities and appropriate structuring to ensure compliance with the CIMA regime.

Alternative risk transfer (ART) transactions concluded abroad are not automatically recognised as reinsurance contracts in Côte d’Ivoire. To be considered within the CIMA regulatory framework, they must comply with the conditions of the Insurance Code and be submitted to the local authorities, in particular for solvency assessment. Otherwise, these transactions are treated as market transactions or external financial instruments and their legal and prudential recognition may be limited, requiring prior approval for any impact on the accounting or capital requirements of local insurers.

Insurance contracts are in principle governed by the same general rules of the Code of Obligations (Civil Code) as other contracts, but the CIMA Code provides for certain specific rules to protect the parties, in particular the insured. Consumer contracts benefit from enhanced protection and are interpreted strictly in favour of the insured. When interpreting contracts, the courts may admit ancillary or superfluous evidence, such as negotiations, the circumstances of the subscription, customary market practices or the common understanding of the terms, to clarify the intention of the parties and ensure that the contract is interpreted in accordance with its purpose.

It should also be noted that, in accordance with Article 49 of the CIMA Treaty, the Council of Ministers may interpret CIMA regulations, and its decisions are binding on all national authorities to ensure uniform application of the CIMA Code, regardless of the interpretation of insurance contracts.

In insurance contracts governed by the CIMA Code, warranties specify the risks covered, their duration and the amount insured, and must be clearly stated in the policy, with visibility for exclusions, nullities or forfeitures in accordance with the provisions of Article 8 of the CIMA Code relating to insurance contract terms. They receive special attention compared to other clauses, as they determine the scope of coverage and the main obligations of the parties. They are part of the mandatory contractual terms and are subject to mandatory provisions. Breach of a guarantee may result, depending on the case, in a reduction or refusal of compensation, termination of the contract or the invocation of contractual liability, in accordance with the provisions of the Insurance Code and the general principles of contract law.

In insurance contracts governed by the CIMA Code, the preconditions for the insurer’s liability, such as payment of the premium, accurate declaration of the risk or notification of an aggravation, must be clearly stated in the contract, even if they do not require specific wording. Based on the provisions of Articles 12, 18 and 19 of the CIMA Code, their breach by the insured may result in forfeiture of cover, reduction of compensation, termination or nullity of the contract, while non-compliance by the insurer may expose the latter to termination of the contract and a two-year limitation period for actions.

In Côte d’Ivoire, insurance coverage disputes are handled according to the rules of the CIMA Code, with strict interpretation of policy clauses and rigorous scrutiny of exclusions by national courts, often after expert assessment. Consumer contracts offer enhanced protection for the insured, while reinsurance disputes are essentially governed by contractual provisions between professionals. Actions arising from an insurance contract are subject to a two-year limitation period under Article 28 of the CIMA Code. Unnamed beneficiaries, third parties who have suffered damage under liability insurance or any person with a direct interest may, in the cases provided for by law, enforce the contract, through direct action against the insurer.

Disputes relating to insurance contracts are generally brought before the national courts of the insured’s place of residence, regardless of the nature of the insurance, except for real estate where jurisdiction lies with the court of the place where the property is located, in accordance with the provisions of Article 30 of the CIMA Code. Insurance law is mainly governed by the mandatory rules of the CIMA Code, which applies uniformly in all CIMA member states and takes precedence over national legislation. Jurisdiction or choice of law clauses are only valid if they do not contradict the mandatory provisions of the CIMA Code. No specific international agreement derogates from this regime, and the Ivorian courts reject any foreign law that is incompatible with the public policy standards prescribed by the CIMA Code. Reinsurance contracts enjoy greater contractual freedom, particularly regarding arbitration and choice of law.

In Côte d’Ivoire, insurance litigation follows the standard civil procedure: filing of a summons with the competent court, a phase of exchanges and investigation, often including a judicial expert opinion, followed by a judgment that may be appealed. The mandatory rules of the CIMA Code govern the dispute, particularly regarding jurisdiction, the two-year limitation period and the review of clauses. Alternative methods exist (mediation and arbitration), especially for contracts between professionals.

Court decisions are enforceable as soon as they become final or are accompanied by provisional enforcement, under the supervision of the competent national courts. Foreign judgments may be enforced after obtaining exequatur from the court of first instance, a procedure that verifies the jurisdiction of the court of origin, respect for the rights of the defence, compliance with Ivorian public policy and the absence of fraud. Once exequatur has been granted, the decision has the same effect as an Ivorian judgment and may be enforced through the usual seizure or recovery procedures.

In practice, arbitration clauses included in insurance and reinsurance contracts are generally recognised and enforceable, provided that they comply with the provisions of the Code of Civil Procedure and the CIMA Code. Arbitration is particularly used for disputes between professionals and allows for derogation from the jurisdiction of national courts, provided that the clause is clear, consensual and the arbitration does not infringe the mandatory rules for the protection of insured parties.

The enforcement of arbitral awards is governed by the OHADA Uniform Act on Arbitration Law and by the applicable national provisions. A national arbitral award is directly enforceable. However, arbitral awards rendered by foreign courts must first obtain exequatur in order to be recognised and enforced in Côte d’Ivoire. The competent court grants exequatur unless the award is manifestly contrary to international public policy or if essential procedural requirements have not been met.

Côte d’Ivoire has been a party to the 1958 New York Convention since 1991, which strengthens the effectiveness of the recognition and enforcement of foreign awards in this jurisdiction, subject to compliance with public policy.

Insurance Disputes

In Côte d’Ivoire, alternative dispute resolution, particularly mediation, is playing an increasing role in insurance disputes by offering a rapid, confidential and amicable out-of-court route through institutions such as the Insurance Mediation of Côte d’Ivoire (MEDASSI). This entity provides insured persons with a dedicated mechanism for resolving disputes with insurers regarding the application or interpretation of insurance contracts, in addition to the mandatory waiting period imposed by Article 239 of the CIMA Code before any court action can be initiated.

Consumer Contracts

In consumer contracts, mediation and conciliation are strongly encouraged, particularly through institutions such as the Côte d’Ivoire Arbitration Court (CACI), in order to facilitate access for individuals to amicable and inexpensive solutions.

Reinsurance Contracts

In reinsurance contracts, however, disputes mainly concern B2B relationships and are primarily resolved through arbitration, in accordance with contractual practices and the regulatory framework of the CIMA Code.

In Côte d’Ivoire, insurers are subject to strict legal penalties for unjustified delays in settling claims. The CIMA Code provides for mandatory late payment interest of 5% per month on the amount of the indemnity, applied automatically when the offer or payment is not made within the maximum period of six months prescribed in Articles 231, 233 and 236 of the CIMA Code. This interest may be reduced only if the delay is due to circumstances beyond the insurer’s control. No punitive damages are provided for in the CIMA Code; penalties are limited to default interest. The Ivorian courts regularly apply these penalties, which are intended to ensure the prompt settlement of claims without resorting to additional punitive mechanisms.

Legal Subrogation Mechanism in Favour of the Insurer

In accordance with Articles 42 and 43 of the CIMA Code, an insurer who compensates the insured is legally subrogated, up to the amount paid, to the rights and actions of the insured against the third party responsible for the damage. This subrogation allows the insurer to exercise a subrogatory recourse against the third party or their insurer as soon as the insured has been compensated.

Limitations on Rights

The insurer may be released from all or part of its guarantee if subrogation can no longer operate in its favour due to the insured. In life insurance, subrogation does not exist after payment of the sum insured to the policyholder or beneficiary, except for a specific clause limited to advances on compensation for unrepaired damage. Subrogation only applies in the context of contractual guarantees, regardless of the method of payment (initiative of the insurer, settlement or judgment).

In Côte d’Ivoire and throughout the CIMA zone, insurtech developments are focused on the digitalisation of brokerage, underwriting and claims reporting.

To this end, Regulation No 01/CIMA/PCMA/CE/SG/2024 came into force in 2024, governing the terms and conditions for the distribution and management of insurance contracts by digital or electronic means in CIMA member states. It defines a digital insurance contract as any contract distributed and managed entirely or partially via mobile phone, the internet or similar media.

The products concerned are mobile microinsurance, digitalised property/life insurance, and services such as online claims reporting and digital data storage.

CIMA has responded to the challenges of insurtech by adopting Regulation No 01/CIMA/PCMA/CE/SG/2024 which regulates the digital distribution and management of insurance contracts with requirements for security, customer identification and data protection. In 2025, Regulation No 0002/CIMA/PCMA/PCE/2025, adopted on 10 July 2025, came into force. It supplements and adapts the regimes for life and non-life insurance contracts to incorporate digital practices.

These reforms align contractual clauses, underwriting processes, contract management and claims settlement with electronic channels. The regulator has also organised seminars on cybersecurity and electronic underwriting to support the implementation of these new practices in the CIMA zone.

The insurance market in Côte d’Ivoire faces several emerging risks, including the rise of cyberattacks, disasters linked to urbanisation and climate change, as well as construction and health risks.

In response, between 2024 and 2025, the regulator adopted a set of key reforms, including Regulation No 01/CIMA/PCMA/CE/SG/2024 on digital distribution and cybersecurity, as well as Regulation No 0002/CIMA/PCMA/PCE/2025 and Regulation No 0003/CIMA/PCMA/PCE/SG/2025 on anti-money laundering, which incorporate digitalisation into life and non-life contracts and strengthen AML/CFT requirements for digital distribution.

In addition, in December 2025, the Ivorian government introduced compulsory construction insurance (all risks and ten-year liability) to address the growing risks associated with urbanisation and infrastructure collapses.

Finally, the sector is accelerating the integration of insurtech solutions and artificial intelligence, particularly for claims management, customer relationship automation and personal data processing. In life insurance, recent reforms have adapted contractual mechanisms and technical provisions to anticipate the effects of increased life expectancy and better manage longevity risks.

See 11.1 Emerging Risks Affecting the Insurance Market.

Significant legislative and regulatory developments in Côte d’Ivoire include the adoption on 3 December 2025 by the Council of Ministers of a bill amending the 2019 Ivorian Construction and Housing Code, imposing two compulsory insurance policies for all construction sites: comprehensive construction insurance and ten-year civil liability insurance, covering damage to third parties in the event of ruin due to construction or maintenance defects. These measures aim to structure the building and public works sector, reduce unregulated construction and protect users/owners, with reinforced penalties.

CIMA 2025 Measures

CIMA Regulations No 0002/CIMA/PCMA/PCE/2025 and No 0003/CIMA/PCMA/PCE/SG/2025 modify life/non-life contract regimes for digitalisation and tighten AML/CFT on digital channels, protecting consumers through enhanced identification and audits. Regulation No 01/CIMA/PCMA/CE/SG/2024 already regulates electronic distribution with data protection standards.

Consumer Protection and Insolvency

The Life Insurance Forum held on 3 and 4 December 2025, organised by ASACI (Association des Societes d’Assurances de Côte d’Ivoire) and the Insurance Directorate, promoted life insurance as a pillar of social protection, with no new specific complaint bodies reported.