{"id":4069,"date":"2026-10-21T08:33:53","date_gmt":"2026-10-21T06:33:53","guid":{"rendered":"https:\/\/energianucleare.eu\/am-best-affirms-nuclear-insurers-emani-at-a-and-elini-at-a\/"},"modified":"2026-10-21T08:33:53","modified_gmt":"2026-10-21T06:33:53","slug":"am-best-affirms-nuclear-insurers-emani-at-a-and-elini-at-a","status":"publish","type":"post","link":"https:\/\/energianucleare.eu\/en\/am-best-affirms-nuclear-insurers-emani-at-a-and-elini-at-a\/","title":{"rendered":"AM Best Affirms Nuclear Insurers Emani at A and ELINI at A-"},"content":{"rendered":"<p><strong>AM Best<\/strong> has affirmed the ratings of two Belgian mutual insurers specializing in nuclear risks. <strong>Emani<\/strong> (European Mutual Association for Nuclear Insurance) holds a Financial Strength Rating of A (Excellent) and a Long-Term Issuer Credit Rating of &#8220;a&#8221;. <strong>ELINI<\/strong> (European Liability Insurance for the Nuclear Industry) holds A- and &#8220;a-&#8220;, respectively. The outlook is stable in both cases. The announcements were made on October 14, 2025.<\/p>\n<p>Emani writes property and terrorism cover for nuclear installations. According to AM Best, it holds a competitive market position in the European nuclear insurance sector and provides capacity to more than a third of the world&#8217;s nuclear operators. Its five-year weighted average combined ratio, through 2024, stands at 34.9%. That is a low figure, indicating limited claims relative to premiums collected.<\/p>\n<p>ELINI, by contrast, provides third-party liability cover for nuclear operators. Its profile is still developing: between 2020 and 2024 the compound annual growth rate averaged 19.6%, starting from a small base and driven by demand from new and existing members. Its five-year combined ratio, also through 2024, is 27.6%. The agency expects strong operating results in line with historical levels, absent a major nuclear liability loss.<\/p>\n<p>The ratings rest on balance sheet strength that AM Best assesses as very strong, good operating performance and appropriate enterprise risk management. Risk-adjusted capitalization is at the highest level of the BCAR scale. Both mutuals can also call on additional capital from their members. Emani can levy a retroactive premium equal to six times each member&#8217;s annual contribution, a mechanism that would allow it to rebuild capital quickly.<\/p>\n<p>Two factors remain that the agency views as partially offsetting: the narrow specialization and the high-risk nature of the business. Emani also depends on reinsurance to offer high gross limits. On the positive side, the market backdrop helps: AM Best expects demand for nuclear coverage to remain strong over the medium term.<\/p>\n<p>For developers of new plants and small modular reactors, the stability of these insurers is a practical necessity. Operators need highly rated partners to secure adequate coverage. If demand keeps growing as ELINI&#8217;s figures suggest, European mutuals will need to expand the capacity they make available.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>AM Best has affirmed the ratings of Belgian mutual insurers Emani (A) and ELINI (A-), both with stable outlooks. The two companies cover nuclear operators and report solid underwriting results.<\/p>\n","protected":false},"author":25,"featured_media":4066,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-4069","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AM Best Affirms Nuclear Insurers Emani at A and ELINI at A- Energia nucleare<\/title>\n<meta name=\"description\" content=\"AM Best affirms Emani (A) and ELINI (A-), Belgian nuclear insurers, with stable outlooks and growing demand for nuclear coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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