DORA compliance for insurers - without the compliance confusion.
The Digital Operational Resilience Act introduces ICT-specific obligations on top of Solvency II. Matproof automates Articles 5 through 45 - from ICT risk management frameworks to third-party registers for reinsurers, brokers, and outsourced claims - so your compliance team can focus on risk, not regulatory overlap.
The Challenge
Why DORA is different for insurers
Insurance companies manage complex outsourcing arrangements, legacy policy administration platforms, and overlapping regulatory frameworks. DORA does not just add new requirements - it demands a level of ICT risk governance that goes beyond what Solvency II ever required.
Legacy policy admin systems lack ICT risk visibility
DORA Articles 5-16 require comprehensive ICT risk management, but many insurers run decades-old policy administration and underwriting platforms. These legacy systems lack the logging, monitoring, and API access needed to demonstrate continuous ICT risk oversight to supervisors.
Outsourced claims processing creates third-party risk blind spots
Insurance companies routinely outsource claims handling, policy servicing, and actuarial modeling to third parties. DORA Article 28 demands full visibility into these ICT service providers, including sub-outsourcing chains - yet most insurers lack a centralized view of who processes what data and where.
EIOPA reporting timelines are strict for incident classification
Articles 17-23 require major ICT incidents to be classified and reported within hours. Insurers must notify EIOPA-aligned national competent authorities on tight timelines, but fragmented incident management across policy, claims, and distribution systems makes fast classification difficult.
DORA and Solvency II overlap creates compliance confusion
Insurance companies already manage extensive Solvency II requirements for operational risk and IT governance. DORA introduces overlapping but distinct ICT-specific obligations. Without clear mapping between the two frameworks, compliance teams waste effort duplicating controls or missing gaps.
Your Compliance Journey
From gap analysis to audit-ready in weeks
Gap Assessment
Connect your policy administration systems, claims platforms, cloud infrastructure, and security tools. Matproof automatically maps your existing Solvency II controls against all DORA requirements and identifies gaps across Articles 5-45.
Implementation
Generate DORA-compliant ICT policies, build your Article 28 third-party register covering reinsurers, brokers, and tech vendors, and set up incident classification workflows. AI drafts everything - your team reviews and approves.
Continuous Monitoring
Evidence is collected automatically from your insurance infrastructure. ICT risk scores update in real-time. Third-party risk assessments trigger on contract changes with outsourced service providers. Your compliance posture is always current.
Audit-Ready
Share a read-only audit portal with your national competent authority, EIOPA, or external auditors. Every control has timestamped evidence, every policy has version history, every incident has a complete audit trail.
Key Requirements
DORA articles that matter most for insurers
ICT Risk Management Framework
- ICT risk management policy approved by management body (Art. 5)
- Identification of all ICT-supported insurance functions including underwriting and claims (Art. 8)
- Protection and prevention measures for policy and claims systems (Art. 9)
- Detection of anomalous activities across distribution channels (Art. 10)
- Business continuity for critical insurance operations and policyholder services (Art. 11-12)
- Learning and evolving from incidents and resilience testing (Art. 13)
ICT Incident Reporting
- Incident classification using ESA criteria for insurance operations (Art. 18)
- Initial notification within 4 hours of classification (Art. 19)
- Intermediate report within 72 hours (Art. 19)
- Final report within one month (Art. 19)
- Voluntary notification of significant cyber threats (Art. 19)
- Root cause analysis covering policyholder impact assessment (Art. 13)
Third-Party ICT Risk Management
- Complete register of ICT third-party providers including reinsurers and brokers (Art. 28(3))
- Pre-contractual risk assessment for outsourced claims and actuarial services (Art. 28(4))
- Key contractual provisions including audit rights and exit strategies (Art. 30)
- Concentration risk assessment across critical outsourced insurance functions (Art. 29)
- Sub-outsourcing chain monitoring for claims handlers and service providers (Art. 29)
- Annual reporting on ICT third-party arrangements to competent authority (Art. 28(3))
Why Matproof
Built for insurance compliance teams
Pre-mapped to DORA, Solvency II, and EIOPA Guidelines
Controls pre-mapped across DORA, Solvency II operational risk requirements, and EIOPA Guidelines on ICT security and governance. Matproof shows you what is already covered and what is net-new, typically reducing implementation effort by 40-60%.
Automated third-party register for reinsurers, brokers, and tech vendors
Import your vendor and partner list once. Matproof builds the DORA-compliant third-party register covering reinsurance partners, broker networks, claims outsourcers, and cloud providers - tracking contract terms, sub-outsourcing chains, and triggering risk re-assessments on changes.
EIOPA-format incident reports
One-click generation of incident notifications in the format your national competent authority expects. Automated severity classification with insurance-specific impact criteria, timeline tracking, and escalation workflows aligned to EIOPA guidance.
100% EU data residency
All data stored in European data centers. No data leaves the EU. Matproof meets the data localization expectations that insurance supervisors and policyholders require for sensitive underwriting and claims data.
Frequently asked questions
- How does Matproof handle the DORA Article 28 register for insurance companies?
- Matproof maintains a live register of all your ICT third-party service providers, including reinsurance partners, broker platforms, outsourced claims handlers, actuarial service providers, and cloud infrastructure. It automatically tracks contract terms, audit rights, exit clauses, and sub-outsourcing chains. When a contract changes or a new provider is onboarded, risk assessments trigger automatically. The register can be exported in the format required for annual reporting to your national competent authority.
- Does Matproof integrate with insurance policy administration systems?
- Yes. Matproof connects to common insurance infrastructure including policy administration systems, claims management platforms, underwriting engines, actuarial modeling tools, and the cloud services that support them. We also integrate with identity providers (Active Directory, Okta), security tools (SIEM, EDR), and IT service management platforms to collect evidence automatically.
- How does Matproof map DORA to existing Solvency II controls?
- Matproof maintains a cross-framework mapping between DORA, Solvency II Pillar 2 operational risk requirements, EIOPA Guidelines on ICT security and governance, and national supervisory expectations. If you already comply with Solvency II IT governance requirements, Matproof shows you exactly which DORA requirements are already covered and what is net-new. This typically reduces implementation effort by 40-60%.
- Does DORA apply to reinsurance companies and insurance intermediaries?
- Yes. DORA applies to insurance undertakings, reinsurance undertakings, and insurance intermediaries that meet the size thresholds defined in the regulation. Matproof supports all three entity types with tailored control mappings that reflect the proportionality principle - smaller intermediaries have streamlined requirements compared to large composite insurers.
- How long does implementation take for an insurance company?
- Most insurers go from kickoff to audit-ready documentation in 6-8 weeks, depending on the complexity of their outsourcing arrangements and ICT landscape. Week 1-2: connect your tools and import your vendor list. Week 3-4: generate policies, build the Article 28 register, set up incident workflows. Week 5+: evidence is flowing automatically, your team reviews and refines. We provide guided onboarding with a dedicated compliance engineer.
Get your insurance company DORA-ready in 6 weeks.
Book a 30-minute demo and see how Matproof maps to your insurance operations. We'll show you the Article 28 register, EIOPA reporting, and automated evidence collection.