Productivity

Premium per employee on a log scale (FY 2025; Czechia FY 2024): each step of the grid is twice or two and a half times the one before. Markets in order of their median; Slovakia's median rests on only 4 insurers.

The insurers that publish their staff, their share of the market's premium, and the median premium per employee, for all of them and by type (a type with fewer than three insurers shows no median). In GDP per person: the median in multiples of the market's GDP per person, which takes out much of the difference in wages and prices between markets.

How to read this

• Premium per employee is the year's gross written premium, as on the insurer's page, over the employees it reports. It measures how much business each employee carries, not profit or service.
• Agents, brokers, banks and group service companies are not employees. An insurer that sells through others, or whose group runs claims and IT in a service company, looks more productive. Life insurers selling through banks carry the most premium per employee: compare insurers of the same type.
• Type: life where life insurance is 90% or more of the premium, non-life where it is 10% or less, composite in between.
• The count differs between markets and sometimes between insurers: employees at 31 December, the year's average or full-time equivalents. Each market's note below says which.
• Poland and Lithuania are not shown: too few of their insurers publish their staff.
• Sources:
  • Albania: Employees as each insurer gives them in its audited financial statements or annual report: the year's average (Sigal, Albsig), the count at 31 December (SiCRED, Sigal Life, Insig) or an undated count in the annual report (Eurosig, Sigma, Intersig); the supervisor publishes none per insurer.
  • Bosnia and Herzegovina: Employees of the insurers licensed in Republika Srpska, from its insurance agency, and of those licensed in the Federation, from the issuer forms they file with the Sarajevo Stock Exchange (or the count at 31 December in their audited statements).
  • Bulgaria: Employees at 31 December as stated in each insurer's annual financial statements (Commercial Register) or SFCR, whole company; Euroins as in its SFCR key figures, Bul Ins, Fi Health and Saglasie the average listed staff; insurers whose reports give no headcount are not shown.
  • Croatia: Employees at the end of the year as printed in section A of the insurers' SFCRs, whole company including foreign branches (Euroherc in Austria, Adriatic in Italy); most Croatian insurers print no headcount there and are not shown.
  • Czechia: Headcount each member reports to the Czech Insurance Association (ČAP) in the member tables of its annual report, 2021–2024; UNIQA and NN's branch are not counted: they report so few employees for their premium that most of their work is done by staff of other group companies.
  • Estonia: Employees in Estonia on the last day of each quarter, averaged over the year, from the Tax and Customs Board's open data (from 2022).
  • Hungary: Employees as each insurer reports them, in the notes to its annual accounts (average headcount) or in its SFCR (average headcount, or staff in full-time equivalents or full-time employees at 31 December), so the basis differs between insurers; Magyar Posta's two insurers share most of their staff and are not counted.
  • Kosovo*: 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.
  • Latvia: Average number employed in Latvia in the latest quarter, from the State Revenue Service's open data, which carries only that quarter.
  • Moldova: Employees as each insurer gives them in its audited financial statements or management report, mostly the count at 31 December (Moldasig: the year's average; Donaris: the number during the year, its insurance agents included); the National Bank publishes none per insurer.
  • Montenegro: Employees under an employment contract at 31 December, from the notes to each insurer's audited financial statements published by the supervisor (ANO), people on supplementary-work contracts left out (Lovćen životna: the year's average); group companies share staff, so the counts add up to more than ANO's sector total.
  • North Macedonia: Employees at 31 December, from the notes to each insurer's audited financial statements or its annual report filed with the Macedonian Stock Exchange; the supervisor publishes only the sector total, which they match (2,012 of 2,016 in 2025).
  • Romania: Average number of employees in the year, from the Ministry of Finance's open data of insurers' financial statements (data.gov.ro).
  • Serbia: Employees at 31 December from each insurer's notes to the financial statements filed with the Business Registers Agency (APR), 2021–2025; UNIQA's two companies print only the average number in the year.
  • Slovakia: Average number of employees in full-time equivalents over the year, from the notes to insurers' financial statements in the Register of Financial Statements (registeruz.sk) and their 2025 annual reports; ČSOB gives only its headcount at 31 December, and branches of foreign insurers publish no Slovak staff.
  • Slovenia: Employees at the end of the year, from insurers' annual reports and SFCRs; Triglav's 2025 premium includes about €0.7bn of Italian motor business written under freedom of services, so its premium per employee is not comparable.