Insurance intermediaries, i.e. 'insurance agency companies' (sociedades agencias de seguros) and 'insurance broker companies' (sociedades corredoras de seguros), are required to incorporate under Costa Rican laws.
"ARTICLE 22.- Insurance intermediaries
I) Insurance agents and insurance agency companies
Insurance agents are the natural persons who carry out insurance intermediation and are accredited by one or more insurance entities and linked to them by means of a contract that allows them to act in their name and account, or only on their own. In the first case, the third party who contracts through the agent acquires rights and contracts contractual obligations with the insurance company. In the second case, the actions of the insurance agent must be validated by the insurance company, so that they contractually bind the latter.
Insurance agency companies are legal persons registered in the Mercantile Registry as joint-stock companies, whose exclusive corporate purpose will be the intermediation of insurance under the figure of insurance agency and operate under the same conditions indicated in the previous paragraph for agents. 
II) Insurance broker company and its brokers
Insurance brokerage companies are legal persons registered in the Mercantile Registry as public limited companies, whose exclusive corporate purpose will be the intermediation of insurance under the figure of insurance brokerage.   Said intermediation will be carried out without acting in the name or on behalf of one or more insurance entities and will only be exercised through brokers who have the corresponding license and accreditation.
The insurance broker is the intermediary, a natural person licensed by the Superintendency for these purposes and who must be accredited by a brokerage company to carry out the intermediation activity.
In order to start operations, the brokerage company requires the administrative authorization issued by the Superintendency.[...]" (Law no. 8653 on the Insurance Market (07/22/2008), last amended by Law no. 9746 of 10/16/2019, Article 22 [google translation])
Law no. 8653 on the Insurance Market (07/22/2008), last amended by Law no. 9746 of 10/16/2019, Article 22
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