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Agro Ubezpieczenia

Polandagroubezpieczenia.pl ↗#22 of 45 in Poland, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
KNF annual bulletin; lines, solvency and claims from each insurer's SFCR
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for PolandWhat changed

Compare with nearest rivals →Compare →
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Premium
€143m
0.7% of Poland
Growth
+1.1%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
193%
SCR ratio · €55m held vs €28m required
Claims and costs
108%
combined ratio after reinsurance · gross 75% · market 92%
In shortNumber 22 of 45 in Poland with 0.7% of premium, growing slower than the market. Its non-life business lost money on underwriting, with a combined ratio of 108% after reinsurance against 92% for the market; before reinsurance it was 75%, with 55% of its non-life premium passed to reinsurers. It paid €76m in claims, €53 for every €100 of its premium. It holds 1.9 times the capital it must hold.

Latest resultsH1 2026, year to date: €54m of premium, +6.8% on H1 2025 (market +6.6%); share 0.5% (±0.0 pp), #25 of 46. More

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Agro Ubezpieczenia's line mix, and where it stands among the 45 insurers in Poland on each measure, FY 2025.

Line mix
Property51%
Motor TPL20%
Liability11%
Other non-life8%
Casco8%
Accident2%
Health1%
Size#22 of 45 by premium
€143m
larger than 52%median €120m
GrowthFY 2025 against 2024, in PLN
+1.1%
ahead of 25%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
108%
better than 13%median 94%
Capital coverSCR ratio: own funds ÷ SCR
193%
ahead of 38%median 210%
Return on equitynet profit ÷ average equity
0.4%
ahead of 5%median 15.5%

Each bar runs from the weakest to the strongest of the insurers in Poland with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
TUW TUW0.9%1.0%0.9%0.9%0.8%
PKO Ubezpieczenia1.2%0.8%0.9%0.8%0.7%
Agro Ubezpieczenia0.5%0.7%0.7%0.7%0.7%
TUZ Ubezpieczenia0.6%0.5%0.6%0.5%0.6%
Allianz Trade (Euler Hermes)0.6%0.6%0.6%0.5%0.5%

Lines and claims

Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.

All figures

Solvency

DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers

Capital at year end

Capital cover

    Company details

    Legal name
    AGRO UBEZPIECZENIA - TOWARZYSTWO UBEZPIECZEŃ WZAJEMNYCH
    Registered seat
    Warsaw, Poland
    Website
    agroubezpieczenia.pl
    LEI
    259400K9O8B6E9TWQI87

    Legal name, seat and LEI from the Global LEI Index (GLEIF); website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Agro Ubezpieczenia

    Short answers from the figures on this page.

    What is Agro Ubezpieczenia's market share in Poland?

    Agro Ubezpieczenia wrote €143m of premium in FY 2025, 0.7% of all premium in Poland, ranking #22 of 45 insurers; its premium grew 1.1% on FY 2024 in PLN.

    Who owns Agro Ubezpieczenia?

    Polisa records no group for Agro Ubezpieczenia in FY 2025.

    What does Agro Ubezpieczenia sell?

    Agro Ubezpieczenia is a non-life insurer; its largest lines in FY 2025 are property (50.9% of its premium), motor TPL (19.5%) and liability (10.7%).

    Is Agro Ubezpieczenia well capitalised?

    Agro Ubezpieczenia's SCR ratio was 193% at 31 December 2025: it held 1.9 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is Agro Ubezpieczenia profitable?

    Agro Ubezpieczenia made a net profit of €0.203m in FY 2025, a return on equity of 0.4%; its non-life combined ratio was 108% after reinsurance.

    Is Agro Ubezpieczenia growing?

    Agro Ubezpieczenia's premium grew 1.1% in PLN in FY 2025, slower than the market in Poland (+5.7%).

    Sources for this page

    Premium: KNF (Polish Financial Supervision Authority), annual bulletin Rynek ubezpieczeń, tables II.3 and II.15; motor lines from table II.18. Other lines, claims, expenses and solvency: the insurer's SFCR for FY 2025, templates S.05.01 and S.23.01; claims, expenses and solvency for FY 2021–2024 from the SFCRs of those years. How these numbers are built.

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    CiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse

    Polisa compiles the figures; the original sources are named on this page and on the method page.

    APA

    Polisa. (2026). Agro Ubezpieczenia (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-agro-ubezpieczenia

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_agro_ubezpieczenia_2026,
  author       = {{Polisa}},
  title        = {Agro Ubezpieczenia (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-agro-ubezpieczenia}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: KNF (open data, credit KNF), insurers' SFCRs (public disclosures, linked).