Sigma VIG (branch)
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsJan–Sep 2026, year to date: €12m of premium, −1.1% on Jan–Sep 2025 (market +5.5%); share 8.2% (−0.5 pp), #8 of 12. More
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Sigma VIG (branch)'s line mix, and where it stands among the 12 insurers in Kosovo* on each measure, FY 2025.
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.
Latest quarter
Premium and market share
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
Claims and costs over time
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
Also in the VIG group
36 companies in 18 markets · €9.28bn premium, latest year
Also in Bulgaria · €364mLatvia · €254mSerbia · €169mCroatia · €167mEstonia · €110mAlbania · €55mSlovenia · €54mBosnia and Herzegovina · €52mNorth Macedonia · €47mMoldova · €21mMontenegro · €14m
Ownership and events
Company details
- Legal name
- Sigma Vienna Insurance Group Sh.A. Dega në Kosovë
- Registered seat
- Pristina, Kosovo
- Website
- sigma-ks.net
- Employees
- 178 (2025; 154 in 2022, 152 in 2023, 187 in 2024)
- Premium per employee
- €85k (FY 2025; median for non-life insurers in Kosovo*: €95k; all insurers)
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. Employees: staff and senior management at 31 December, from the notes to each insurer's audited financial statements; Dukagjini counts its agents too, and Sigma VIG's figure is its Kosovo branch's own staff.
Questions about Sigma VIG (branch)
Short answers from the figures on this page.
What is the market share of Sigma VIG (branch) in Kosovo*?
Sigma VIG (branch) wrote €15.1m of premium in FY 2025, 8.5% of all premium in Kosovo*, ranking #6 of 12 insurers; its premium fell 1.4% on FY 2024.
Who owns Sigma VIG (branch)?
Sigma VIG (branch) is part of the VIG group, which has 36 companies in all 18 markets on Polisa (FY 2025).
What does Sigma VIG (branch) sell?
Sigma VIG (branch) is a non-life insurer; its largest lines in FY 2025 are motor TPL (65.8% of its premium), health (14.3%) and other non-life (7.7%).
Is Sigma VIG (branch) well capitalised?
The solvency margin of Sigma VIG (branch) was 145% at 31 December 2025: it covered its required solvency margin 1.5 times, against a median of 158% for the insurers in Kosovo* (local rules, not Solvency II).
Is Sigma VIG (branch) profitable?
Sigma VIG (branch) made a net profit of €0.132m in FY 2025, a return on equity of 2.0%; its non-life combined ratio was 102% after reinsurance.
Is Sigma VIG (branch) growing?
The premium of Sigma VIG (branch) fell 1.4% in FY 2025 while the market in Kosovo* grew 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.
Polisa. (2026). Sigma VIG (branch) (Kosovo*): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/xk-sigma-vig-branch
BibTeXShow entry
@misc{polisa_insurers_xk_sigma_vig_branch_2026,
author = {{Polisa}},
title = {Sigma VIG (branch) (Kosovo*): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/xk-sigma-vig-branch}},
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).