The Oman Financial Services Authority has issued a regulation establishing a framework for insurance risk assessment before contracts are concluded and for estimating losses arising from insured risks. Entities must obtain prior authorization to conduct these activities, and insurance companies may not engage unlicensed providers. The regulation imposes legal, financial, professional, competency and experience requirements on licensed entities and governs license duration, renewal and ongoing obligations. Assessors must independently review claims, verify the causes and extent of losses, and prepare accurate technical reports under professional standards. They must also protect confidential information and comply with controls addressing integrity, impartiality and conflicts of interest.