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IRU Circular 20/2026Insurance Regulatory Unit

IRU Circular 20/2026 — Annual Kuwaiti workforce data and ratio form

IRU Circular 20/2026 adopts an annual workforce data/ratio form. It must reflect the company's position at 31 December, contain all requested data and be submitted to IRU within 90 days after the financial year end. Official sources and an evidence-led implementation checklist.

تعميم رقم (20) لسنة 2026 بشأن اعتماد نموذج بيانات ونسب العمالة الوطنية الكويتية العاملة في قطاع التأمينOfficial Arabic title

Issued
27.09.2026
Published
28.09.2026
Guide reviewed
11.10.2026
Instrument
IRU Circular 20/2026

Action at a glance

What this instrument asks you to do

IRU Circular 20/2026 adopts an annual workforce data/ratio form. It must reflect the company's position at 31 December, contain all requested data and be submitted to IRU within 90 days after the financial year end.

Source-backed

Stated legal requirements

Requirements below are attributed to the instrument or cited guidance; each item includes its source location.

  1. 01

    Complete the attached workforce/ratio form using the company's position as at 31 December each year, including the referenced ratios under Decision 12/2025 and other applicable decisions.

    Citation · Page 1, first operative paragraph

  2. 02

    Complete all required information, approve the form and submit it annually within a maximum of 90 days after the company's financial year end.

    Citation · Page 1, first and second operative paragraphs

Dates and applicability

Timing, grace period and deadline

Timing

Signed 27 September; published 28 September. Snapshot is 31 December; the submission interval is 90 days from financial year end. Do not conflate those two dates for an entity with a different year end.

Grace period

Only the specifically stated submission period or validity condition applies. No additional general grace period is asserted.

Expit suggested practices

Build a reviewable closure record

These suggested actions are implementation practices, not additional legal requirements.

  1. 01

    Reconcile the 31 December workforce snapshot to the official form.

    Suggested owner
    HR / compliance
    Evidence to retain
    Employee-count reconciliation, category mapping and ratio decision
    Complete when
    Required data and applicable ratio categories are checked against payroll and the governing decision.
    Expit support context
    Extraction can assist reconciliation, not determine eligibility or the legal ratio.
  2. 02

    Approve the return and track the financial-year-end deadline.

    Suggested owner
    HR lead / company secretary
    Evidence to retain
    Approved form, checked year-end date and submission receipt
    Complete when
    The approved complete form is submitted within the applicable interval and acknowledgement is retained.
    Expit support context
    Workflow dates can keep the snapshot and submission deadline separate.

Further clarification

Frequently asked questions

Is the deadline simply 90 days after the circular?

No. Annual submission is tied to the company's financial year end; the data snapshot is 31 December.

Can Expit declare our annual kuwaiti workforce data and ratio form gap closed?

No. Expit can support document processing, evidence reconciliation and accountable workflows. Your responsible officers and advisers must assess legal applicability, complete any required official submission and approve closure.

Primary references

Official sources

  1. Official IRU Circular 20/2026 PDF (opens in a new tab)

    Operative circular visually reviewed. The applicable workforce percentage depends on the relevant decision and category; this guide does not invent a universal ratio. The full attached form must be checked when preparing the return.

    SOURCE 01

Read with care

Enforcement and limitations

Enforcement stated in source

The circular refers to IRU's powers under Insurance Law 125/2019 and applicable regulations/instructions. No fixed fine or individual enforcement outcome is inferred.

Limitations of this guide

The applicable workforce percentage depends on the relevant decision and category; this guide does not invent a universal ratio. The full attached form must be checked when preparing the return.