Generali Central Insurance (formerly Future Generali) vs Liberty General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Generali Central Insurance (formerly Future Generali) | Liberty General Insurance | Period |
|---|---|---|---|
| profit before tax(size) | -112 ₹ crore | -24 ₹ crore | Q1 FY26-27 |
| engineering combined ratio | 205.0 % | 444.0 % | Q1 FY26-27 |
| underwriting balance ratio | -29.5 % | -15.0 % | Q1 FY26-27 |
| Individual Agents policies(size) | 82090 count | 37728 count | Q1 FY26-27 |
| liability incurred claims ratio | -5.0 % | 21.0 % | Q1 FY26-27 |
| aviation combined ratio | 0.0 % | -4350.0 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 3454 ₹ lakh | 2000 ₹ lakh | Q1 FY26-27 |
| fire segment premium(size) | 15519 ₹ lakh | 2088 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 3438 ₹ lakh | 1191 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | -84 ₹ crore | -24 ₹ crore | Q1 FY26-27 |
| net commission ratio(size) | 21.2 % | 26.0 % | Q1 FY26-27 |
| health combined ratio | 103.0 % | 122.0 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 135.0 % | 122.0 % | Q1 FY26-27 |
| fire incurred claims ratio | 137.0 % | 56.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 78.90 × | 49.00 × | Q1 FY26-27 |
| government securities(size) | 386901 INR_lakhs | 174603 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 24.3 % | 22.0 % | Q1 FY26-27 |
| combined ratio | 127.9 % | 121.0 % | Q1 FY26-27 |
| net worth growth rate(size) | -6.8 % | 55.0 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 15 ₹ lakh | 2 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 89.0 % | 78.0 % | Q1 FY26-27 |
| investment income ratio | 1.9 % | 7.3 % | Q1 FY26-27 |
| Brokers premium(size) | 70748 ₹ lakh | 61880 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 191956 INR_lakhs | 165678 INR_lakhs | Q1 FY26-27 |
| liability combined ratio | 26.0 % | 49.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 39965 count | 70385 count | Q1 FY26-27 |
| workmen's compensation combined ratio | 173.0 % | 162.0 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 12.3 % | 54.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 188536 count | 4 count | Q1 FY26-27 |
| motor tp combined ratio | 121.0 % | 99.0 % | Q1 FY26-27 |
| motor od incurred claims ratio | 89.0 % | 78.0 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 695.3 % | 6.5 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 156.0 % | 91.0 % | Q1 FY26-27 |
| operating profit ratio | -14.7 % | -6.0 % | Q1 FY26-27 |
| motor od combined ratio | 132.0 % | 135.0 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 892 ₹ lakh | 135 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 5371 ₹ lakh | 6562 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 204212 count | 614443 count | Q1 FY26-27 |
| net retention ratio(size) | 72.6 % | 91.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 29.5 % | 39.0 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | -4.5 % | 23.0 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 24555 count | 20294 count | Q1 FY26-27 |
| expense ratio | 40.2 % | 40.0 % | Q1 FY26-27 |
| liability segment premium(size) | 1119 ₹ lakh | 1600 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 116.0 % | 141.0 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 571 ₹ lakh | 796 ₹ lakh | Q1 FY26-27 |
| other investments(size) | 19050 INR_lakhs | 500 INR_lakhs | Q1 FY26-27 |
| net yield (quarterly) | 1.38 % | 7.29 % | Q1 FY26-27 |
| infrastructure & housing(size) | 197862 INR_lakhs | 208064 INR_lakhs | Q1 FY26-27 |
| travel combined ratio | 162.0 % | 88.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 90.0 % | 120.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 8421 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 10969 count | 1038 count | Q1 FY26-27 |
| equity & preference shares(size) | 21690 INR_lakhs | 500 INR_lakhs | Q1 FY26-27 / Q3 FY25-26 |
| housing & infrastructure(size) | 24.1 % | 35.0 % | Q1 FY26-27 |
| motor TP segment premium(size) | 19610 ₹ lakh | 25023 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 24921 ₹ lakh | 25515 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 171 ₹ lakh | 923 ₹ lakh | Q1 FY26-27 |
| health segment premium(size) | 33875 ₹ lakh | 16474 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 116.0 % | 406.0 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 82.0 % | 63.0 % | Q1 FY26-27 |
| health incurred claims ratio | 71.0 % | 99.0 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 2511 count | 20273 count | Q1 FY26-27 |
| gross yield (quarterly) | 1.84 % | 7.29 % | Q1 FY26-27 |
| Individual Agents premium(size) | 16592 ₹ lakh | 4384 ₹ lakh | Q1 FY26-27 |
| aviation incurred claims ratio | 100.0 % | 50.0 % | Q1 FY26-27 |
| fire combined ratio | 186.0 % | 97.0 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 117 count | 4 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 890 ₹ lakh | 297 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 5649 ₹ lakh | 678 ₹ lakh | Q1 FY26-27 |
| marine hull combined ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 193.0 % | 127.0 % | Q1 FY26-27 |
| incurred claims ratio | 90.1 % | 81.0 % | Q1 FY26-27 |
| personal accident segment premium(size) | 6133 ₹ lakh | 528 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 47.2 % | 35.0 % | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q4 FY25-26 |
| gross yield (annualized) | 7.53 % | 7.42 % | FY25-26 / Q4 FY25-26 |
| net yield (annualized) | 5.80 % | 7.42 % | FY25-26 / Q4 FY25-26 |
| Common Service Centres (CSC) policies(size) | 0 count | 0 count | Q4 FY25-26 |
| claim settlement ratio | 88.2 % | 87.6 % | FY24-25 |
| solvency ratio | 1.96 × | 1.75 × | Q4 FY24-25 |
| claims repudiation ratio | 3.12 % | 3.06 % | FY24-25 |
| gross written premium(size) | 1458 ₹ crore | 2246 ₹ crore | Q1 FY24-25 / FY25-03 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.