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Elsig

Kosovo*kselsig.com ↗#5 of 12 in Kosovo*, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
Central Bank of Kosovo insurance statistics; solvency margin, not Solvency II
Latest figures
FY 2025, Jan–Sep 2026
Next update
FY 2026, around May 2027

Sources for Kosovo*What changed

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Premium
€20m
11.4% of Kosovo*
Growth
+4.3%
FY 2025 vs 2024, in EUR · market +6.6%
Life share
0%
of own premium
Capital cover
—
Not published by the company
Claims and costs
94%
combined ratio after reinsurance · gross 90% · market 94%
In shortNumber 5 of 12 in Kosovo* with 11.4% of premium, growing slower than the market. Strongest in Other non-life, with 37.2% of the line. Its non-life business made money on underwriting, with a combined ratio of 94% after reinsurance against 94% for the market. It paid €7.9m in claims, €39 for every €100 of its premium.

Latest resultsJan–Sep 2026, year to date: €15m of premium, −0.3% on Jan–Sep 2025 (market +5.5%); share 10.5% (−0.6 pp), #5 of 12. More

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Elsig's line mix, and where it stands among the 12 insurers in Kosovo* on each measure, FY 2025.

Line mix
Motor TPL52%
Other non-life25%
Health19%
Casco3%
Size#5 of 12 by premium
€20m
larger than 64%median €15m
GrowthFY 2025 against 2024, in EUR
+4.3%
ahead of 45%median +5.8%
Claims and costsnon-life combined ratio, after reinsurance
94%
better than 67%median 96%
Capital cover
— not published
Return on equitynet profit ÷ average equity
15.5%
ahead of 73%median 11.9%

Each bar runs from the weakest to the strongest of the insurers in Kosovo* 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
Scardian10.8%12.1%12.2%11.5%12.0%
Eurosig9.4%11.1%11.7%11.5%11.6%
Elsig9.8%10.6%10.8%11.6%11.4%
Sigma VIG (branch)10.1%9.7%8.5%9.1%8.5%
Prisig9.2%8.7%8.6%8.4%8.4%

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

    Website
    kselsig.com

    Website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Elsig

    Short answers from the figures on this page.

    What is Elsig's market share in Kosovo*?

    Elsig wrote €20.4m of premium in FY 2025, 11.4% of all premium in Kosovo*, ranking #5 of 12 insurers; its premium grew 4.3% on FY 2024.

    Who owns Elsig?

    Polisa records no group for Elsig in FY 2025.

    What does Elsig sell?

    Elsig is a non-life insurer; its largest lines in FY 2025 are motor TPL (52.4% of its premium), other non-life (24.6%) and health (19.2%).

    Is Elsig profitable?

    Elsig made a net profit of €1.08m in FY 2025, a return on equity of 15.5%; its non-life combined ratio was 94% after reinsurance.

    Is Elsig growing?

    Elsig's premium grew 4.3% in FY 2025, slower than the market in Kosovo* (+6.6%).

    Sources for this page

    Premium, lines and claims: Central Bank of Kosovo, insurance statistics. Solvency margin: CBK and the insurer's annual report. 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). Elsig (Kosovo*): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/xk-elsig

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_xk_elsig_2026,
  author       = {{Polisa}},
  title        = {Elsig (Kosovo*): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/xk-elsig}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: CBK (no re-use terms published), Kosovo Agency of Statistics (no re-use terms published).