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Insurance: authorisations, reports and contracts · France / Switzerland

Insurance intermediary: registration and competence record

An insurance-intermediary dossier first classifies the activity and national registration position. France’s ORIAS categories differ from Switzerland’s tied and untied intermediary framework. Gather represented undertakings, independence, initial and continuing competence, professional responsibility and relevant security. Preserve changes and renewal evidence against the actual register record. This preparation concerns operating status, separately from customer due diligence or a claim that advice to an insured person was defective.

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By the AlphaDeep legal editorial team

General legal information with official references and dated checks. It is not personalised advice: for a decision that commits you, have your situation checked by a qualified professional.

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Illustrative conversation
Example question

What tied, untied or other national status matches the activity?

Julie Illustration

France: connect broker, agent or intermediary category to real mandates. Switzerland: determine tied or untied status separately; the Swiss categories are not automatic translations of every French professional registration category.

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Your file concerns “Insurance intermediary: registration and competence record”. Does it concern France or Switzerland? Share the document for activities and channels and the decision you need to prepare.

French law

3 free questions at signup. Avoid names and sensitive information.

Answer

Which intermediary activities and channels are carried on?

France: describe actual distribution acts and channels rather than relying on a business name. Switzerland: identify the corresponding activity under VAG Article 40; introductions, advice and contract-related work require their actual factual scope.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Answer

What tied, untied or other national status matches the activity?

France: connect broker, agent or intermediary category to real mandates. Switzerland: determine tied or untied status separately; the Swiss categories are not automatic translations of every French professional registration category.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Tool

Intermediary activity, registration and competence register

Synthetic example: fictional records. Intermediary activity, registration and competence register.

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Synthetic example: fictional records · Intermediary activity, registration and competence register

Jurisdiction
France
Activities and channels
Intermediation A1, channels C1
Status and registration
Category S1, register R1
Representation and competence
Undertakings P1, training Q1
Security and follow-up
Insurance G1, renewal T1

This preparation concerns operating status, separately from customer due diligence or a claim that advice to an insured person was defective.

Answer

Which registration category or exception is invoked?

France: L512-1’s registration and exception branches require actual category evidence. Switzerland: establish the applicable FINMA registration branch under VAG rules; viewing a register homepage is not proof of an active entry or exemption.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Comparison

Preparation reference: Intermediary activity, registration and competence register

Intermediary activity, registration and competence register
Preparation questionPoint to verify
Which intermediary activities and channels are carried on?France: describe actual distribution acts and channels rather than relying on a business name. Switzerland: identify the corresponding activity under VAG Article 40; introductions, advice and contract-related work require their actual factual scope.
What tied, untied or other national status matches the activity?France: connect broker, agent or intermediary category to real mandates. Switzerland: determine tied or untied status separately; the Swiss categories are not automatic translations of every French professional registration category.
Which registration category or exception is invoked?France: L512-1’s registration and exception branches require actual category evidence. Switzerland: establish the applicable FINMA registration branch under VAG rules; viewing a register homepage is not proof of an active entry or exemption.
What represented undertakings and independence conditions are documented?France: retain represented insurers and independence statements with the agreements. Switzerland: compare actual relationships and loyalty conditions likewise; logos or partner lists do not alone establish every mandate or legal independence.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Answer

What represented undertakings and independence conditions are documented?

France: retain represented insurers and independence statements with the agreements. Switzerland: compare actual relationships and loyalty conditions likewise; logos or partner lists do not alone establish every mandate or legal independence.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Answer

Which initial and continuing competence evidence is required?

France: connect initial capacity and continuing education to the actual function. Switzerland: retain the relevant qualification and continuing-competence evidence separately; no universal hours, examination result or foreign-diploma equivalence is inferred.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Answer

What professional-responsibility and security records apply?

France: reconcile professional-liability and security evidence with the distribution scope. Switzerland: check actual guarantees and conditions under the applicable branch; a historical certificate does not establish current cover for every entity or activity.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

The law

Which official provision helps explain this situation?

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Sources checked 3 November 2026See the texts cited

An insurance-intermediary dossier first classifies the activity and national registration position. France’s ORIAS categories differ from Switzerland’s tied and untied intermediary framework. Gather represented undertakings, independence, initial and continuing competence, professional responsibility and relevant security. Preserve changes and renewal evidence against the actual register record. This preparation concerns operating status, separately from customer due diligence or a claim that advice to an insured person was defective.

Answer

Which changes or renewals affect current status?

France: L512-1 includes annual renewal within its framework; retain current entry and changed activity. Switzerland: verify the actual status and follow-up obligations separately; an old number does not demonstrate continuing satisfaction of every condition.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Answer

Why are registration, customer due diligence and advice disputes separate?

France: registration, client AML and a disputed recommendation concern different tasks. Switzerland: maintain the same distinction; an active intermediary entry does not certify every advice act or determine an individual customer dispute.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Frequent questions

What other questions arise in this file?

What tied, untied or other national status matches the activity?

France: connect broker, agent or intermediary category to real mandates. Switzerland: determine tied or untied status separately; the Swiss categories are not automatic translations of every French professional registration category.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

What represented undertakings and independence conditions are documented?

France: retain represented insurers and independence statements with the agreements. Switzerland: compare actual relationships and loyalty conditions likewise; logos or partner lists do not alone establish every mandate or legal independence.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

What professional-responsibility and security records apply?

France: reconcile professional-liability and security evidence with the distribution scope. Switzerland: check actual guarantees and conditions under the applicable branch; a historical certificate does not establish current cover for every entity or activity.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Why are registration, customer due diligence and advice disputes separate?

France: registration, client AML and a disputed recommendation concern different tasks. Switzerland: maintain the same distinction; an active intermediary entry does not certify every advice act or determine an individual customer dispute.

Code des assurances : immatriculation des intermédiaires : L512-1, L512-2Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190FINMA : intermédiation d’assurance

Sources

Which official references should you consult?

  1. Code des assurances : immatriculation des intermédiaires : L512-1, L512-2www.legifrance.gouv.fr
  2. Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43fedlex.data.admin.ch
  3. Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43fedlex.data.admin.ch
  4. Insurance Supervision Act LSA/VAG/LSA : 40, 41, 42, 43fedlex.data.admin.ch
  5. Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190fedlex.data.admin.ch
  6. Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190fedlex.data.admin.ch
  7. Insurance Supervision Ordinance OS/AVO/OS : 183, 184, 185, 188, 189, 190fedlex.data.admin.ch
  8. FINMA : intermédiation d’assurancewww.finma.ch

Texts cited last checked: 3 November 2026

Next steps

Which neighbouring situations should remain separate?