Insurer profile
Citadel Insurance p.l.c.
Citadel Insurance p.l.c. is Malta's only indigenous composite insurer, offering a wide range of general and long-term insurance products for individuals and businesses, including motor, home, health, life, marine, travel, wedding, and business insurance. Established in 1997 from a partnership between Assitalia SpA (now Generali) and local agents, it is a public limited company regulated by the MFSA.
Source- Legal entity
- Citadel Insurance p.l.c.
- Headquarters
- Floriana, Malta
- Regulator
- Malta Financial Services Authority (MFSA)
- Phone
- +356 2557 9000
- info@citadelplc.com
- Founded
- 1997
- Last verified
- Jun 3, 2026
Products from Citadel Insurance p.l.c.
motor
Motor Insurance
Comprehensive motor insurance policies for personal cars, commercial vehicles, and more, covering third-party liability, fire, theft, and comprehensive damage.
motor
Motor Fleet Insurance
Insurance cover for fleets of commercial or private motor vehicles operated by businesses.
property
Home Insurance
Cover options for buildings and contents for homes, other properties, or condominiums against risks such as fire, theft, and accidental damage.
health
Health Insurance
A range of private health insurance options covering medical expenses, work permit requirements, in-patient, out-patient, and specialist treatments in Malta.
life
Life Insurance
Protection plans for individuals and families including term life, loan protection (decreasing cover), and level term life insurance to secure bank loans or provide family protection.
life
Loan Protection Insurance
Decreasing or level term life insurance designed to cover outstanding personal or business loan balances in the event of the policyholder's death or disability.
other
Marine Insurance
Insurance policies for motor boats, cabin cruisers, motor yachts, and other pleasure craft against risks at sea.
travel
Travel Insurance
Travel insurance covering medical emergencies, trip cancellation, loss of baggage, and other risks for individuals travelling abroad.
other
Wedding Insurance
Insurance cover for weddings and special events, protecting against unforeseen circumstances that may disrupt or cancel the occasion.
property
Small & Medium Enterprises (SME) Insurance
Comprehensive insurance packages tailored for SMEs, covering property, business interruption, liability, and employee risks.
property
Corporate Insurance
Bespoke insurance solutions for large organisations covering property, liability, employee benefits, and more.
property
Construction & Engineering Insurance
Insurance cover including Contractors' All Risks, Erection All Risks, Machinery Breakdown, and Electronic Equipment cover for the construction sector.
life
Employee Benefits (Group Life, Group Health, Group Personal Accident, Travel Open Cover)
Group insurance benefits for employees including Group Life, Group Health, Group Personal Accident, and Travel Open Cover for business travellers.
property
Hotel Insurance
Insurance cover tailored for the hospitality and leisure industry, protecting hotels and related businesses.
liability
Liability Insurance (Public, Employer's, Products & Professional Indemnity)
Liability insurance covering Public Liability, Employer's Liability, Products Liability, Professional Indemnity, and Tool of Trade for businesses and professionals.
other
Marine Cargo Insurance
Insurance for goods and cargo in transit by sea, land, or air.
property
Office Insurance
Comprehensive office insurance package covering property, public liability, glass, electronic equipment, personal accident, and business interruption risks for office-based businesses.
health
Group Personal Accident Insurance
Group personal accident insurance providing cover for employees at the workplace and outside office hours, including death and disablement benefits.
travel
Travel Open Cover (Business Travel)
Travel insurance cover for frequent business travellers, providing continuous protection for multiple trips throughout the year.
property
School Insurance
Insurance packages specifically designed for schools and educational institutions in Malta.
Regulatory updates
Citadel Insurance p.l.c. remains authorised under the Insurance Business Act, Cap. 403, regulated by the MFSA. As of 2025, the company continues to operate under active MFSA supervision. The MFSA's 2024 Annual Report noted increased supervisory engagement (up 33% year-on-year) across Malta's insurance sector, with targeted inspections of tied insurance intermediaries, reviews of credit protection insurance, AML procedures, and value-for-money assessments. Citadel itself announced a 2024 annual bonus of at least 3.0% for with-profits policyholders and a 2.0% bonus for Life Investment Bond holders, and conducted internal AML training in November 2024.