Regulatory Facts

  • Guam Law Applies To Federal Contracts On Guam

  • Guam's Insurance Commissioner is a member of the National Association of Insurance Commissioners (NAIC), with regulatory authority similar to stateside insurance commissioners.

  • Admitted Insurance — including all classes of insurance and surety - is mandatory unless not available through admitted carriers. See Title 22 Section 15101 Guam Code Annotated (Authority of Insurer).

  • Representing or placing insurance with unauthorized insurers is prohibited. An unauthorized insurer cannot defend in Guam's courts. See Title 22 Section 15201 Guam Code Annotated Article 2 (Uniform Unauthorized Insurers Act).

  • An insurance company cannot write direct business. It must appoint a resident general agent who is licensed to be its representative.

Mandatory Insurance

  • Auto Liability

  • Workers Comprensation, Local and Federal

Learn more about Guam Insurance Law


  • Gross Receipts Tax

  • Liability Tax

Tariff Lines of Insurance

  • Property

  • Auto

  • Workers Compensation