Compliance & Regulatory Framework
The Inter-African Conference on Insurance Markets (CIMA) is the supranational body that harmonizes insurance regulation across 14 member states, including Cameroon. This page outlines our official accreditation references, institutional environment (CIMA, DNA, FIAC, APCAR), and statutory commitments to our clients.
Our Official Accreditation References (MINFI / CIMA)
Our Professional and Regulatory Environment
GENERALIA ASSURANCES operates within the official regulatory and professional ecosystem of insurance brokerage, while championing our distinctive orientation: strategic advisory, risk mastery, and long-term client advocacy.
Inter-African Conference on Insurance Markets
Supranational Regulatory Authority (14 Member States)
Regional treaty body governing the entire insurance sector through a unified Insurance Code (including Book V on intermediaries), ensuring policyholder protection, carrier solvency, and regulatory compliance.
National Directorate of Insurance (Ministry of Finance)
National Supervisory and Licensing Authority in Cameroon
Attached to the Ministry of Finance of Cameroon, the DNA oversees national market supervision, enforces strict compliance with the CIMA Code, and issues official brokerage licenses and executive accreditations.
Inter-African Federation of Insurance Brokers & Consultants
Continental Organization of Insurance Brokers
Pan-African body uniting insurance brokers and consultants across the continent, promoting high standards of advisory, transparency, and professional risk management.
Professional Association of Insurance and Reinsurance Brokers of Cameroon
National Professional Association
Benchmark national association in Cameroon playing a central role in structuring, representing, upholding ethics, and advancing the continuous professionalization of insurance brokerage.
Insurance brokerage in Africa: a dynamic driven by expertise, cooperation, and female leadership
The growth of the insurance brokerage industry in Africa relies on committed leaders capable of championing professional standards, strengthening technical capabilities, and promoting excellence in advisory, transparency, and risk management.
At the continental level, the Inter-African Federation of Insurance Brokers and Consultants (FIAC) fosters representation and collaboration among industry professionals. Its leadership, presided over by a Cameroonian woman, reflects the growing contribution of women to the governance and transformation of the African insurance industry.
In Cameroon, the Professional Association of Insurance and Reinsurance Brokers of Cameroon (APCAR) plays a vital role in structuring, representing, and professionalizing the brokerage sector. Also chaired by a woman, it drives the modernization of a profession essential to protecting individuals, businesses, and their assets.
GENERALIA ASSURANCES is fully aligned with this momentum of expertise, accountability, and innovation, placing advisory at the heart of its approach. Our ambition goes far beyond policy distribution: we support our clients in identifying, assessing, mastering, and financing their risks to sustainably strengthen their security and performance.
The presence of women at the helm of these institutions and specialized firms illustrates a major evolution in the sector: an African brokerage industry that is more structured, highly professional, and resolutely focused on the future.
Our Statutory Obligations to You (Book V of the CIMA Code)
The CIMA Insurance Code imposes the following statutory obligations, which we strictly uphold in every engagement:
Independence & Client Mandate
As a licensed insurance brokerage firm (G.A. SARL), Generalia acts exclusively under client mandate. We are not bound to any insurance company by subordination. Our duty of advice is exercised solely in the policyholder's interest.
Pre-Contractual Duty of Information
Prior to any subscription, we provide our clients with an information document detailing proposed coverage, exclusions, premium amounts, and cancellation terms, drafted in clear and understandable language.
Professional Indemnity Insurance
We hold professional indemnity insurance compliant with CIMA Insurance Code requirements, protecting our clients against the financial consequences of any error or omission in the performance of our mandate.
Statutory Financial Guarantee
Generalia Assurances SARL maintains a dedicated statutory financial guarantee ensuring the remittance of funds collected on behalf of insurers or policyholders within regulatory deadlines.
Our Commitments to Our Clients
Objective Advisory
Our recommendations are based on comparative market analysis, free of any conflict of interest with insurance companies.
Strict Confidentiality
The information you share with us is strictly confidential and used solely for the purposes for which it was collected.
Fee Transparency
Our brokerage remuneration is governed by the CIMA Code, with no hidden additional charges for the policyholder.
Defense of Your Interests
In the event of a claim, we stand by you and defend your rights with insurance companies to secure fair and prompt settlement.
Complaints Handling Procedure
In accordance with CIMA Code consumer protection requirements and industry best practices, we maintain a formal complaints handling procedure. Any dissatisfied client may exercise their rights through the following process:
Submission
Send your complaint in writing (email or mail) to our customer service department. Describe the facts clearly and attach any relevant documents (policy, correspondence, invoices).
Acknowledgment of Receipt
We acknowledge receipt of your complaint within 10 business days of receipt and assign a dedicated officer to handle your file.
Investigation & Response
Our team reviews your file and sends a substantive response within a maximum of 30 business days. If complexity requires additional time, you will be informed along with an expected response date.
External Escalation
If our response does not satisfy you, you may escalate the matter to the National Directorate of Insurance (MINFI) or resort to professional mediation in accordance with your rights as a policyholder.
Submit a Complaint
Email : reclamations@generalia-assurances.com / generalia@generalia-assurances.com
Customer Service : +237 640 00 44 60 or +237 640 00 44 52
Mail : Generalia Assurances SARL, Complaints Department, Bonanjo, 78 Rue Joss, P.O. Box 5192 Douala, Cameroon