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Licensed list · Europe · South-Eastern Europe · XK

Licensed insurance companies in Kosovo (2026)

VerifiedVerified against the CBK register, checked 3 Sept 2026.

The 12 insurance companies licensed in Kosovo in 2026, as recorded by the CBK, with the class of business and ownership each one is registered under.

12Licensed operators
2Life17% of entities10General (non-life)83% of entities5Cross-border groups7 domestically owned

By class of business

Each company is counted once, under the class its register row records. The supervisor’s own tally counts licences, so a company licensed for more than one class appears more than once there.

By ownership

  • Domestic private7 58%
  • Pan-European group5 42%

“Cross-border groups” counts foreign multinationals and pan-regional groups; “domestically owned” counts domestic private, state-owned, mutual and captive entities. The register records the parent’s type, not its home market. How ownership is recorded

Licensed insurers in Kosovo

All 12 entities.

InsurerClassOwnershipGroupVerification
Sigma VIG KosovoGGeneral (Non-life)Pan-European groupVIGVerified
Eurosig KosovoGGeneral (Non-life)Pan-European groupEurosigVerified
Illyria (Sava)GGeneral (Non-life)Pan-European groupSavaVerified
Sigal UNIQA KosovoGGeneral (Non-life)Pan-European groupUNIQAVerified
Dukagjini SH.A.GGeneral (Non-life)Domestic private—Verified
ElsigGGeneral (Non-life)Domestic privateElsigVerified
PrisigGGeneral (Non-life)Domestic privatePrisigVerified
SAVA Jetë SH.A.LLifePan-European group—Verified
ScardianGGeneral (Non-life)Domestic privateScardianVerified
Sigal Life Insurance Group SH.A.LLifeDomestic private—Verified
Sigkos SH.A.GGeneral (Non-life)Domestic private—Verified
Siguria SH.A.GGeneral (Non-life)Domestic private—Verified

Full table for Kosovo ↗

Regulatory intelligence: Kosovo

Read from the register, not written for this page: the supervisor’s regime, the source the list was checked against, and the market notes recorded alongside it.

Supervisor
CBK
Register source
Central Bank of Kosovo, Lista e institucioneve financiare të licencuara/regjistruara, section Siguruesit e Licencuar, dated 22 Apr 2026, retrieved 22 Sep 2026: 12 active insurers (plus 2 in liquidation and the Kosovo Insurance Bureau); cross-checked with the 8 Oct 2025 edition
Verification
Verified against the regulator register · Central Bank of Kosovo, Lista e institucioneve financiare të licencuara/regjistruara, section Siguruesit e Licencuar, dated 22 Apr 2026, retrieved 22 Sep 2026: 12 active insurers (plus 2 in liquidation and the Kosovo Insurance Bureau); cross-checked with the 8 Oct 2025 edition

No market event is recorded against this register for 2026. The regime and source above are the standing facts.

Governing legislation

  • Law 05/L-045 on Insurance; Law 03/L-209 on the Central Bank · Institutional and insurance framework

    The Central Bank regulates and supervises insurance under the insurance law and its central-bank mandate.

Verification log

Reconciled against the CBK list of licensed financial institutions (22 Apr 2026): 7 rows matched (Illyria now SAVA, Sigal UNIQA now Sigal Insurance Group), Kosova e Re removed as in liquidation, 5 added (Dukagjini, Sigal Life, Siguria, Sigkos, SAVA Jetë).

For B2B teams and AI agents

The same rows as static JSON, no key, CORS open, CC BY 4.0. Paged files stay under 96 KB so an agent’s fetch tool never truncates them.

curl -s https://insurers.global/api/v1/countries/kosovo.json
curl -s https://insurers.global/api/v1/countries/kosovo/insurers/pages/1.json
  • MCP: connect https://insurers.global/mcp and call get_country_summary with { "country": "kosovo" }, or list_insurers with country, limit and offset for paged rows.
  • OpenAPI 3.1: /api/v1/openapi.json · WebMCP: /.well-known/webmcp.json · Guide: /ai/ · llms.txt
  • Dataset version 2026-09-08+3f3925fad259; every response carries version, verified and licence.