Ecuador’s Organic Law on the Protection of Personal Data, now fully in force, will significantly impact the insurance sector in 2026. As the national data authority begins active enforcement, insurers will face growing scrutiny over how they collect, store, and process sensitive data - particularly health, biometric and financial information. Non-compliance may lead to reputational damage, fines and regulatory injunctions. Insurers will need to update consent frameworks, automate access requests, and implement robust breach response protocols. Additionally, cross-border data transfers, common in reinsurance and regional claims handling, will require new contractual safeguards.