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This position paper emphasizes the insurance industry's role as a strategic asset for the continent's economic stability and long-term growth. The organization argues that over-regulation and complex, overlapping legal frameworks currently hinder the sector's ability to invest in European priorities like green technology and infrastructure. To address this, they propose a simplification package and a “Financial Services Omnibus” aimed at reducing administrative burdens and stopping unnecessary new rules. By streamlining requirements for reporting and capital, the industry believes it can better support household savings and enhance the global competitiveness of the Single Market. Ultimately, this paper serves as a formal call for EU leaders to prioritize regulatory efficiency to ensure that insurance providers can continue to anchor Europe’s financial resilience.

This position paper outlines Insurance Europe’s feedback on the European Commission’s Digital Omnibus initiative, which seeks to streamline the complex regulatory environment for the insurance sector. The organization advocates for reducing administrative burdens by harmonizing rules across artificial intelligence, data protection, and cybersecurity. Key recommendations include delaying specific AI Act obligations to ensure technical readiness and clarifying GDPR definitions to foster innovation in automated decision-making. Additionally, the sources highlight the importance of a Single-Entry Point for reporting cyber incidents and the potential benefits of a European Business Wallet for secure digital authentication. Ultimately, the federation seeks a more coherent legislative framework that balances robust consumer protection with the operational flexibility needed for insurers to remain competitive.