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Icelandic insurance market — Sjóvá, Skagi/VÍS, TM, Vörður; combined ratios and Nordic comparison.
Codex 또는 Claude로 설치 이 Prompt를 복사해 Codex, Claude 또는 다른 어시스턴트에 붙여 넣으면 Skill 페이지를 검토하고 설치를 진행할 수 있습니다.
SOC 직업 분류 기준
Iceland energy authority — electricity generation, use, fuel sales, power plants and licences. Use for energy-system analysis.
Fiskistofa — public WFS layers for fishing closures, regulations and fishing areas; paid REST catch/quota data is excluded.
Hafrannsóknastofnun / MFRI — annual fish-stock assessments, advice, landings and survey series in embedded tables.
Environment Agency of Iceland GIS — open WFS layers for contaminated land, water, protected areas, noise and wastewater.
Icelandic Met Office (Veðurstofa) — weather observations, stations, forecasts and earthquakes via the modern JSON API at api.vedur.is.
Iceland Tax Authority — annual reports (ársreikningar), company registry, ownership chain mapping by kennitala.
| name | insurance |
| description | Icelandic insurance market — Sjóvá, Skagi/VÍS, TM, Vörður; combined ratios and Nordic comparison. |
| Company | Kennitala | Parent | Listed | Notes |
|---|---|---|---|---|
| VÍS tryggingar hf. | 6701120470 | Skagi hf. (6906892009) | SKAGI | Insurance ops transferred Jan 2025 |
| Sjóvá-Almennar tryggingar hf. | 6509091270 | Independent | SJOVA | Largest by premiums |
| TM tryggingar hf. | 6602693399 | Kvika → Landsbankinn | — | Sale pending competition approval |
| Vörður tryggingar hf. | 4410993399 | Arion banki | — | Bank subsidiary |
Use Skagi (6906892009) for VÍS consolidated data — the 6701120470 entity is a newly created operating company with limited standalone history.
uv run python scripts/skatturinn.py download 6906892009 --year 2024 # Skagi/VÍS
uv run python scripts/skatturinn.py download 6509091270 --year 2024 # Sjóvá
uv run python scripts/skatturinn.py download 6602693399 --year 2024 # TM
uv run python scripts/skatturinn.py download 4410993399 --year 2024 # Vörður
uv run python scripts/financials.py extract data/raw/skatturinn/6906892009_2024.pdf --format markdown
Insurance PDFs use IFRS 17 format. Key tables:
data/processed/insurance_company_financials.csv — company-level metricsdata/processed/insurance_combined_ratios.csv — CR by company and countrydata/processed/insurance_nordic_comparison.csv — Iceland vs Nordic averages| Company | CR | ROE | Equity (B ISK) |
|---|---|---|---|
| Sjóvá | 96.2% | 17.5% | 25.1 |
| Skagi/VÍS | 97.1% | 11.3% | 22.2 |
| TM | 93.9% | ~15% | 23.2 |
| Vörður | 88.9% | 30.8% | 13.8 |
| Nordic avg | ~84% | ~20% | — |