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Terms of use

How you may use Polisa and its data, and what Polisa does and does not promise.Last updated 11 November 2026

Who runs Polisa

Polisa is an independent project based in Prague, Czech Republic. Questions, corrections and requests: kontakt@polisapro.com.

What Polisa is

Polisa compiles public figures on insurance markets in Central and Eastern Europe: premium by insurer and line, claims, solvency and profit, taken from supervisors, insurance associations and insurers' own Solvency and Financial Condition Reports. It recalculates market shares and ratios and converts amounts to euros.

Polisa is for information. It is not investment, legal, actuarial or financial advice, and it is not an official statistic. Figures can contain errors from the sources or from extraction and conversion; each figure links to its source and the method page explains how it is built. Check the original source before relying on a number for a decision. If you report a wrong figure we check it against the source, correct it and note the change on the What changed page.

If you are an insurer, group or publisher named on Polisa and a figure or statement about you is wrong or out of date, write to kontakt@polisapro.com with the source document; it is checked and corrected the same way, and the correction is recorded.

Sources

Each market's data comes from the bodies listed on the method page, with the licence or terms that apply to each. Their data stays subject to their own terms. Polisa is not affiliated with, endorsed by or speaking for any supervisor, association or insurer. Links to source documents go to the publishers' own websites. None of the publishers named on the method page is responsible for Polisa's calculations or for any change Polisa made to their figures; Eurostat, the IMF and EIOPA in particular do not endorse this site.

Using Polisa's data

Polisa's text, charts and method, and its own calculations (market shares, ratios, growth, euro amounts), are licensed under Creative Commons Attribution 4.0. You may copy, share and adapt them on three conditions:

  • Credit Polisa and the original source, for example: Source: Polisa, based on KNF data, with a link to the page where possible.
  • Figures keep their source's limits. Where a source does not allow commercial use, limits use to personal or non-commercial purposes, or asks for its written consent (the method page gives each source's terms; among them MABISZ (Hungary); SZZ (Slovenia); NBS (Serbia); AZOBiH, ANO FBiH, AZORS (Bosnia and Herzegovina); IMF, World Economic Outlook; APR (Serbia); MSE (North Macedonia); SASE (Bosnia and Herzegovina); Banja Luka Stock Exchange (Bosnia and Herzegovina)), use the figures derived from it for non-commercial purposes only, unless you have that source's permission. The National Bank of Serbia gave Polisa its written consent for non-commercial use on 5 November 2026; commercial use of its figures needs its own consent. Figures derived from Statistics Estonia stay under CC BY-SA 4.0: share what you make from them under the same licence.
  • Follow the original source's terms where they are stricter. The method page shows these per source; some ask that their own figures are not altered, so label shares, ratios and euro amounts as calculated by Polisa.

The underlying source data (supervisors' and associations' statistics, insurers' reports) remain subject to their publishers' terms, which you must follow when you reuse them. The licence does not cover company names and logos, the source documents themselves, or the site's design and code.

Credits

Fonts: Archivo, Source Sans 3 and IBM Plex Mono (SIL Open Font License, in assets/fonts). Map of the region: drawn from Natural Earth (public domain). Share images and insight cards are made with Pillow (MIT-CMU licence). Excel and PowerPoint export: ExcelJS and PptxGenJS (MIT licence; notices in LICENSES.txt). Flags drawn for Polisa.

Names and logos

Insurer and group names and logos are trademarks of their owners and are used for identification only. Polisa shows logos small and unaltered next to the data and never in its own branding. Their use does not imply any affiliation with or endorsement by their owners. Logo files come from the companies' own websites and from Wikimedia Commons; the ARAG logo is used under CC BY-SA 4.0 (Wikimedia Commons, ARAG Konzernkommunikation). If you own a mark and want it shown differently or not at all, write to kontakt@polisapro.com.

Fair use of the site

You may read, link to and download from Polisa freely. Automated access is fine at a reasonable rate; please use the CSV files rather than scraping pages. Do not present Polisa's figures as an official statistic or as coming from a source that did not publish them.

Liability

Polisa is provided as it is, free of charge, without any warranty that it is complete, accurate or available. To the extent the law allows, Polisa is not liable for losses from using it or relying on it. Nothing in these terms limits liability that cannot be limited by law.

Changes and governing law

We may update these terms; the date at the top shows the latest version, and significant changes will be noted in What changed. These terms are governed by the law of the Czech Republic.