Establishing Risk Location

This section provides guidance on what to consider when identifying the locations of risk for regulatory and tax purposes.

Risk locations determine the territories whose laws, regulations and tax rules apply to an insurance contract. The general principles set out in this guidance should be used in conjunction with country specific information on Crystal.

 How to establish risk location
 Class of business guidance


QA Tool - Open Market                     QA Tool - Binding Authority


Risk locator tool

Introduction to Risk Location

What is risk location and why is it important ?

Introduction to risk location

Establishing the risk location

To help establish risk location please consider the questions provided via the link below

How to establish the risk location

Class of business guidance

To help you establish the risk location please consider the class of business

Class of business guidance 

Risk Location Examples

The interaction of different territorial rules can make a given scenario complex. Applying the principles set out will assist market participants in establishing the risk location.

Risk location examples


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