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In October 2003, Kosovo was a new and challenging market, four years after the end of the war. Into this context entered SIGAL, the pioneering private insurance company from Albania, with the mission that freedom be accompanied by financial security.
On October 23, 2003, SIGAL began securing the most important investments of Kosovar families, bringing a spirit of optimism and stability to the market.
Përparim Drini, General Director of SIGAL Kosovo, says: “ At first, we mainly offered basic non-life insurance products, gradually expanding to life, property, health and large business insurance. The presence of foreign investors, such as the American investment fund and then UNIQA as a strategic investor for about 17 years, directly influenced the professional, technical and financial growth of SIGAL, positioning it as a leader in the Kosovo market.”
SIGAL operates in Kosovo with two companies: non-life insurance (licensed in 2003) and life insurance (licensed in 2011). For more than two decades, the company has built a serious, stable and reliable structure, part of SIGAL Insurance Group, one of the largest regional insurance groups.
Market positions and guarantees
Today, according to the Central Bank of Kosovo, SIGAL owns 15.53% of the total insurance market, 45% of the life insurance market and 14.08% in non-life insurance, practically holding the majority of the market with over 10 operators.
SIGAL is spread throughout the territory of Kosovo with over 50 offices and 300 employees, offering all insurance products for businesses, banks, energy and infrastructure projects.
In 2025, the company achieved the highest voluntary insurance rate, 55.59% of total contracts.
To maintain financial stability and guarantee all types of insurance products and contracts, SIGAL Kosova paid over 3 million euros only for reinsurance contracts in 2025 with the largest international companies such as Swiss Re, Munich Re and Hannover Re.
Damage payments
Paying claims correctly, in accordance with the law and contracts between the parties and in record time, is an essential part of the company's philosophy. In 2025 alone, SIGAL paid over 14 million euros for life and non-life insurance, while in the last 22 years, over 120 million euros in total have been paid as claims in the Kosovo market.
The example of the “Plastika” factory in March 2024 shows SIGAL's dedication: “ After the fire, SIGAL was immediately by our side. Without their help, restarting from scratch would have been impossible,” said the director of the “Plastika” factory, Arjan Shabani, in front of the cameras.
Absorption of human resources
SIGAL invests in its people, attracting new talent and cultivating their professionalism and responsibility.
Gazmend Husaj, director of the Peja branch, says: “ This is where seriousness and responsibility towards the client are taught.”
Ilir Begu, director of the Pristina branch, and Gentjana Kqiku Kryeziu from the Gjilan branch, underline the importance of professional advice and correct treatment for clients, especially in critical moments.
"The moment when clients thank you because you guided them towards a useful insurance product is the most beautiful moment at work ," according to Mr. Begu.
Socio-cultural responsibility
SIGAL has contributed to sports, culture, education and the environment, supporting above all basketball and Kosovar cinematography.
SIGAL Prishtina basketball club has been the main sponsor for more than 20 years, with support of millions of euros, winning 40 titles, 3 internationals and regular participation in European cups.
Blerand Stavileci, president of the club, emphasizes: “ Pristina’s successes, with almost 80% of trophies bearing the SIGAL name, demonstrate the company’s strong connection and significant contribution to the city. If we were to list the factors that have influenced these results, most would mention the name SIGAL.”
SIGAL Insurance Group
SIGAL Kosova is part of SIGAL Insurance Group, which operates in 3 countries with 8 companies, over 2,000 employees and a global network of partners.
The strategic goal by 2030 is for every family in Albania, Kosovo and Macedonia to have at least one insurance product, through digitalization, simplification of procedures and the provision of affordable products with beneficial combinations for the client.
“Sigal is here to protect life, property and everything that citizens have built,” concludes Mr. Drini.
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