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ERGO Hestia

ERGO groupPolandergohestia.pl ↗#4 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
€2.31bn
10.9% of Poland
Growth
+1.7%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
0%
of own premium
Capital cover
206%
SCR ratio · €698m held vs €338m required
Claims and costs
94%
combined ratio after reinsurance · gross 91% · market 92%
In shortNumber 4 of 45 in Poland with 10.9% of premium, growing slower than the market. Strongest in Casco, with 20.3% of the line. Its non-life business made money on underwriting, with a combined ratio of 94% after reinsurance against 92% for the market. It paid €1.32bn in claims, €57 for every €100 of its premium. It holds 2.1 times the capital it must hold.

Latest resultsH1 2026, year to date: €1.27bn of premium, +7.1% on H1 2025 (market +6.6%); share 11.5% (+0.1 pp), #4 of 46. More

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

Line mix
Motor TPL32%
Casco30%
Property20%
Other non-life7%
Liability6%
Credit & surety2%
Accident2%
Size#4 of 45 by premium
€2.31bn
larger than 93%median €120m
GrowthFY 2025 against 2024, in PLN
+1.7%
ahead of 27%median +6.1%
Claims and costsnon-life combined ratio, after reinsurance
94%
better than 58%median 94%
Capital coverSCR ratio: own funds ÷ SCR
206%
ahead of 45%median 210%
Return on equitynet profit ÷ average equity
22.3%
ahead of 68%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
PZU19.5%20.5%20.7%20.9%20.2%
Warta10.2%11.2%12.0%13.0%14.8%
ERGO Hestia10.8%10.7%11.0%11.3%10.9%
UNIQA4.7%4.7%4.8%5.3%5.6%
Compensa3.1%3.1%3.2%4.6%4.7%

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 ERGO group

    10 companies in 5 markets · €2.94bn premium, latest year

    All 10 on the ERGO page →
    Polandthis market1 company€171m
    ERGO Hestia Życie€171m
    Lithuania2 companies€193m
    ERGO Insurance (branch)€158mERGO Life Insurance€35m
    Latvia2 companies€99m
    ERGO Life (branch)€53mERGO Insurance (branch)€47m
    Estonia2 companies€88m
    ERGO Insurance€79mERGO Life (branch)€9.5m
    Czechia2 companies€77m
    ERV Evropská pojišťovna€57mD.A.S. právní ochrana (branch)€20m

    Company details

    Legal name
    SOPOCKIE TOWARZYSTWO UBEZPIECZEŃ ERGO HESTIA SPÓŁKA AKCYJNA
    Registered seat
    Sopot, Poland
    Website
    ergohestia.pl
    LEI
    259400GGL5VECMUS2X04

    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 ERGO Hestia

    Short answers from the figures on this page.

    What is ERGO Hestia's market share in Poland?

    ERGO Hestia wrote €2.31bn of premium in FY 2025, 10.9% of all premium in Poland, ranking #4 of 45 insurers; its premium grew 1.7% on FY 2024 in PLN.

    Who owns ERGO Hestia?

    ERGO Hestia is part of the ERGO group, which has 10 companies in 5 of the 18 markets on Polisa (FY 2025).

    What does ERGO Hestia sell?

    ERGO Hestia is a non-life insurer; its largest lines in FY 2025 are motor TPL (32.4% of its premium), casco (29.8%) and property (19.9%).

    Is ERGO Hestia well capitalised?

    ERGO Hestia's SCR ratio was 206% at 31 December 2025: it held 2.1 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is ERGO Hestia profitable?

    ERGO Hestia made a net profit of €129m in FY 2025, a return on equity of 22.3%; its non-life combined ratio was 94% after reinsurance.

    Is ERGO Hestia growing?

    ERGO Hestia's premium grew 1.7% 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). ERGO Hestia (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-ergo-hestia

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_ergo_hestia_2026,
  author       = {{Polisa}},
  title        = {ERGO Hestia (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-ergo-hestia}},
  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).