Insurance company Quorum (Kyiv) collected net insurance premiums totaling UAH 60.4 million in 2025, which is 23.2% more than in 2024, while gross premiums amounted to UAH 63.4 million (-8.72%).
This was reported by the rating agency (RA) “Standard-Rating” in its announcement regarding the update of the company’s credit rating/financial stability rating on the national scale to “uaAA.”
The rating assessment was updated based on an analysis of the company’s performance for the specified year.
Revenues from individuals to the insurance company decreased by 26.34% to UAH 30.875 million; there were no revenues from reinsurers. The share of individuals in gross premiums for the year amounted to 48.70%.
Insurance premiums ceded to reinsurers amounted to UAH 3.023 million, which is 85.21% less than in the previous year. Thus, the reinsurers’ share of insurance premiums decreased by 24.67 percentage points to 4.77%.
The volume of insurance payments and claims settled by the company in 2025 increased by 20.16% compared to 2024, reaching UAH 10.518 million. Meanwhile, the claims ratio rose by 3.99 percentage points to 16.59%.
Quorum Insurance Company’s operating profit for the past year amounted to UAH 6.494 million, with net profit at UAH 7.015 million.
As of December 31, 2020, the insurer’s assets grew by 16.00% to UAH 81.080 million, equity by 11.40% to UAH 68.419 million, liabilities by 49.39% to UAH 12.661 million, cash and cash equivalents – by 11.34%, to UAH 55.507 million.
Insurance Company “Quorum” was established in March 2014 and specializes in risk insurance.
Insurance company BBS Insurance (formerly Brokbusiness, Kyiv) collected UAH 842.3 million in gross premiums in 2025, which is 44.89% more than in 2024.
These data were provided by RA Expert-Rating in its information on the confirmation of the insurance company’s financial stability rating at the level of “uaAA” on the national scale based on the company’s performance in 2025.
At the same time, the share of insurance premiums payable to reinsurers increased by 30.76%, while their share in the company’s gross premiums decreased by 0.16 p.p. to 1.40%.
In 2025, the company made 65.17% more insurance payments and reimbursements than in 2024, and the level of payments increased by 4.71 p.p. to 38.35%.
According to RA data, the equity capital of IC “BBS Insurance” grew by 33.62% to UAH 213.85 million, while its gross liabilities increased by 30.02% to UAH 379.65 million. The level of coverage of the insurer’s liabilities by equity capital increased by 1.52 percentage points to 56.33%. Cash and cash equivalents increased by 39.23% to UAH 370.58 million, while the ratio of cash to liabilities increased by 6.46 p.p. to 97.61%.
Thus, as of the beginning of 2026, IC “BBS Insurance” was well provided with highly liquid assets, which covered 97.61% of its liabilities.
The RA also notes that at the end of 2025, the company’s net profit increased 3.73 times compared to 2024 and amounted to UAH 54.64 million. Also, at the end of 2025, the insurer received an operating profit of UAH 28.85 million, while at the end of 2024, an operating loss was recorded.
BBS Insurance has been operating in the Ukrainian insurance market for over 30 years and is represented in all regions of the country. It has a license to conduct insurance activities in 18 classes.
In 2025, NASK Oranta collected gross insurance premiums in the amount of UAH 3.73 billion, which is 58% more than in 2024, according to the insurer’s website.
Insurance payments to customers reached UAH 1.15 billion (+76% compared to 2024). The number of active contracts increased to 2.9 million (+21%).
“2025 confirmed Oranta’s ability to operate in conditions of large-scale changes, both regulatory and economic. We not only adapted to the new market rules, but also strengthened our position and continued to fulfill our obligations, in particular under contracts covering military risks,” said Jacek Meisner, Chairman of the Board of Directors.
The report emphasizes that the key factor in the growth was the reform of the compulsory civil liability insurance market for owners of land vehicles (OSCPV).
Oranta’s premiums in the MTPL segment doubled to UAH 3.06 billion. At the same time, the number of contracts decreased slightly: from 1.37 million to 1.21 million. Last year, the company paid out UAH 858 million (+76%) for this type of insurance, which is explained by structural changes in the law, namely an increase in compensation limits to UAH 500,000 for damage to health and UAH 250,000 for property, the abolition of depreciation for cars up to 5 years old, and the introduction of mandatory direct settlement – a mechanism whereby the victim applies for compensation directly to their insurance company.
The loss ratio for MTPL remains at 28%. Despite the reduction in the number of contracts, the company did not resort to dumping and maintained tariff discipline. The average cost of a policy increased from approximately UAH 1,100 to UAH 2,500, according to the information.
In addition to MTPL, the company significantly increased its presence in other segments. Premiums from voluntary medical insurance (VMI) increased by 68% to UAH 148 million, and the number of contracts increased 2.5 times to 547 thousand. Accident insurance increased by 79% in premiums and 2.7 times in the number of contracts.
The property insurance portfolio expanded to 690,000 contracts (+145%), with premiums increasing to UAH 123 million. The company increased the volume of payments in this segment, although the overall loss ratio remains under control.
A separate part of the payments in 2025 was formed by losses related to military risks. In total, during 2025 and early 2026, Oranta settled such cases for more than UAH 28 million. In particular, for damaged housing and vehicles as a result of rocket strikes and drone attacks in various regions of the country. Some of the large corporate losses were settled with the involvement of reinsurance programs.
The company’s assets increased by 55% to UAH 3.55 billion during the reporting period, and its financial result increased by 78% to UAH 279 million. Insurance reserves grew by 71% to UAH 2.32 billion, which corresponds to the volume of accepted liabilities, and profit increased by 77.6%.
In 2025, Oranta transferred almost UAH 380 million in taxes and fees to the budget and state funds. Equity capital of over UAH 1 billion provides the company with a sufficient level of solvency and resistance to market fluctuations.
PJSC National Joint Stock Insurance Company (NASK) Oranta is the successor to Ukrderzhstrakh, founded on November 25, 1921, and has been conducting insurance activities in Ukraine for over 100 years.
Since 1994, the company has been a full member of the Motor Transport Insurance Bureau of Ukraine, and since 2003, a member of the Nuclear Insurance Pool. It has a license to conduct insurance activities in 16 insurance classes.
The company employs over 3,000 experts who provide “full cycle” services: both retail and corporate insurance.
Express Insurance (Kyiv) collected insurance premiums totaling UAH 148.9 million in December 2025, which is 63% more than in the same period of 2024, according to the insurer’s website.
Premiums under CASCO contracts for this period amounted to UAH 88.4 million, which is 32.3% higher than in December 2024, while premiums under MTPL reached UAH 58.7 million (+159.6%), and premiums under other types of insurance amounted to UAH 2 million.
Express Insurance was founded in 2008 and is part of the UkrAVTO group of companies. It specializes in auto insurance. The consistently high speed of settlement of claims at the insurance company is ensured by optimal interaction with partner service stations.
The average premium under contracts of compulsory motor third party liability insurance (CMTPL) in January-December 2025 (cumulative total) amounted to UAH 3.163 thousand, which is 2.32 times more than for the same period a year ago (UAH 1.362 thousand), reported the Motor (Transport) Insurance Bureau of Ukraine (MTSBU).
It is also noted that the average damage for 12 months of this year increased by 33%, to UAH 45,050 thousand against UAH 33,849 thousand for 12 months. 2024.
The average payment for damage caused to property as a result of road accidents amounted to UAH 58,048 thousand (+35,9%), according to “europrotocol” – UAH 29,478 thousand (+56,9%), and for damage to health – UAH 60,977 thousand (+11%).
The MTSBU reports that insurance companies in January-December 2025 increased the collection of insurance payments under CMTPL insurance policies 2.14 times – up to UAH 23.642 billion, and paid out UAH 6.802 billion (+41.4%).
The MTSBU is the only association of insurers in Ukraine that provides compulsory insurance of civil liability of owners of motor vehicles for damage caused to third parties. 26 insurance companies are members of the Bureau.
Insurance company Busin (Kyiv) collected UAH 175.2 million in gross premiums in January-September 2025, which is 9.08% more than in the same period of 2024, according to Standard Rating, which updated the insurer’s credit rating/financial stability rating to “uaAA+” on the national scale based on an analysis of the specified period.
The rating agency’s report notes that revenues from reinsurers increased by 6.05% to UAH 189.1 million, and the ratio between premiums attributable to reinsurers and gross premiums decreased by 3.09 percentage points (pp) to 107.94%.
In the first nine months of 2025, the company paid out UAH 215,000 in insurance payments and reimbursements to its clients, compared to UAH 31.869 million in the same period of 2024. RA notes that significant fluctuations in the volume of business and the level of payments of JSC IC Busin are related to the specifics of its activities and specialization in insurance of large risks, in particular aviation risks.
As of September 1, 2025, the company’s assets decreased by 5.44% to UAH 282.5 million, equity increased by 13.4% to UAH 182.7 million, and cash and cash equivalents decreased by 26.9% to UAH 235.6 million.
RA notes that the financial results of Busin Insurance Company JSC improved significantly in the period under review. In particular, based on the results of the first nine months of 2025, the insurer received significant amounts of operating profit (UAH 34.08 million) and net profit (UAH 24.84 million), while based on the results of the same period in 2024, the insurer’s activities were unprofitable.
Busin Insurance Company was registered in February 1993. It specializes in risk insurance. It is a member of a number of professional and industry associations, including the League of Insurance Organizations of Ukraine, the Insurance Payments Club, the International Association of Aviation Insurers (UA), the Nuclear Insurance Pool, the American Chamber of Commerce in Ukraine, and the British Business Club.
