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Allianz Trade (Euler Hermes)

Allianz groupPolandallianz-trade.pl ↗#25 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

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Premium
€98m
0.5% of Poland
Growth
−4.3%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
108%
SCR ratio · €61m held vs €57m required
Claims and costs
80%keeps 23%
combined ratio after reinsurance, 77% of the premium reinsured · gross 56% · market 92%
In shortNumber 25 of 45 in Poland with 0.5% of premium; its premium fell 4.3% while the market grew 5.7%. Strongest in Credit & surety, with 30.0% of the line. Its non-life business made money on underwriting, with a combined ratio of 80% after reinsurance against 92% for the market; it keeps only 23% of its non-life premium after reinsurance, so that ratio rests on a small base (gross 56%). It paid €41m in claims, €41 for every €100 of its premium. It holds 1.1 times the capital it must hold.

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Allianz Trade (Euler Hermes)'s line mix, and where it stands among the 45 insurers in Poland on each measure, FY 2025.

Line mix
Credit & surety100%
Size#25 of 45 by premium
€98m
larger than 45%median €120m
GrowthFY 2025 against 2024, in PLN
−4.3%
ahead of 16%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
80%
better than 88%median 94%
Capital coverSCR ratio: own funds ÷ SCR
108%
ahead of 0%median 210%
Return on equitynet profit ÷ average equity
19.0%
ahead of 59%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
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%
Inter Polska0.2%0.3%0.3%0.3%0.3%
Europa0.4%0.4%0.4%0.4%0.3%

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

    Also in the Allianz group

    16 companies in 9 markets · €5.26bn premium, latest year

    All 16 on the Allianz page →
    Polandthis market4 companies€1.37bn
    Allianz Życie€696mAllianz€569mErste Allianz Życie€75m+1 more
    Czechia1 company€942m
    Allianz pojišťovna€942m
    Romania2 companies€781m
    Allianz-Țiriac€769mAllianz-Țiriac Unit (ex-Gothaer)€12m
    Slovakia1 company€778m
    Allianz – Slovenská poisťovňa€778m
    Hungary1 company€716m
    Allianz€716m
    Croatia1 company€232m
    Allianz Hrvatska€232m

    Also in Bulgaria · €228mLithuania · €77mSlovenia · €31m

    Company details

    Legal name
    TOWARZYSTWO UBEZPIECZEŃ EULER HERMES SPÓŁKA AKCYJNA
    Registered seat
    Warsaw, Poland
    Website
    allianz-trade.pl
    LEI
    259400UNFL1GUH63DE55 (retired)

    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 Allianz Trade (Euler Hermes)

    Short answers from the figures on this page.

    What is the market share of Allianz Trade (Euler Hermes) in Poland?

    Allianz Trade (Euler Hermes) wrote €98.5m of premium in FY 2025, 0.5% of all premium in Poland, ranking #25 of 45 insurers; its premium fell 4.3% on FY 2024 in PLN.

    Who owns Allianz Trade (Euler Hermes)?

    Allianz Trade (Euler Hermes) is part of the Allianz group, which has 16 companies in 9 of the 18 markets on Polisa (FY 2025).

    What does Allianz Trade (Euler Hermes) sell?

    Allianz Trade (Euler Hermes) is a non-life insurer; all its premium in FY 2025 is credit & surety.

    Is Allianz Trade (Euler Hermes) well capitalised?

    The SCR ratio of Allianz Trade (Euler Hermes) was 108% at 31 December 2025: it held 1.1 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is Allianz Trade (Euler Hermes) profitable?

    Allianz Trade (Euler Hermes) made a net profit of €7.85m in FY 2025, a return on equity of 19.0%; its non-life combined ratio was 80% after reinsurance.

    Is Allianz Trade (Euler Hermes) growing?

    The premium of Allianz Trade (Euler Hermes) fell 4.3% in PLN in FY 2025 while the market in Poland grew 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.

    Spotted a wrong figure? Tell us and include the source.

    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). Allianz Trade (Euler Hermes) (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-allianz-trade-euler-hermes

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_allianz_trade_euler_hermes_2026,
  author       = {{Polisa}},
  title        = {Allianz Trade (Euler Hermes) (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-allianz-trade-euler-hermes}},
  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).