AM Best Confirms MSIG Europe’s Financial Strength and Stability

MSIG Europe is pleased to announce that AM Best has affirmed its Financial Strength Rating of A (Excellent) and its Long-Term Issuer Credit Rating of“a” (Excellent), both with a stable outlook. 

The ratings reflect MSIG Europe’s very strong balance sheet strength, alongside adequate operating performance, a neutral business profile, and appropriate enterprise risk management framework.

AM Best expects MSIG Europe’s risk-adjusted capitalisation to remain at the very strong level, supported by a conservative investment strategy and robust liquidity position.

The company has also demonstrated consistent underwriting discipline, delivering solid results in recent years. The combined ratio improved to 94% in 2024 (from 98% in 2023), with expectations for 2025 to remain in line with this strong performance.

MSIG Europe continues to benefit from its position as a mid-tier commercial specialty insurer, with a diversified portfolio across European property & casualty and marine lines.

Its recognised brand, niche market expertise, and strong ties to its parent company, MS&AD Insurance Group, further reinforce its competitive standing.

The ratings also reflect the strategic importance of MSIG Europe as MS&AD’s platform for primary insurance business in continental Europe.

The affirmation underscores MSIG Europe’s financial resilience, disciplined underwriting approach, and long-term strategic role within the MS&AD Group.

The stable outlook highlights confidence in the company’s ability to maintain strong capitalisation and consistent performance in the years ahead.