Insurer profile
Elmo Insurance Limited
Elmo Insurance Limited is a Malta-based general insurer founded in 1981 through the merger of C&H Bartoli and Cassar & Cooper, two local agents for UK principals. Since Malta's EU accession in 2004, when RSA withdrew from Malta and transferred its portfolio, Elmo has operated as a fully independent, locally-owned insurer offering personal and commercial insurance products.
Source- Legal entity
- Elmo Insurance Limited
- Headquarters
- Ta' Xbiex, Malta
- Regulator
- Malta Financial Services Authority (MFSA)
- Phone
- +356 2343 0000
- info@elmoinsurance.com
- Last verified
- May 2, 2026
Products from Elmo Insurance Limited
motor
Motor Insurance
Comprehensive, third-party fire and theft, or third-party only motor insurance covering legal liability towards passengers, pedestrians and other people's property.
property
Home Insurance
Home insurance covering buildings and contents against fire, storm, theft, escape of water and other insured perils, including personal liability.
property
Condominium Insurance
Tailor-made insurance for condominium residential property owners covering buildings, common areas, public liability and optional machinery breakdown for lifts.
health
Personal Health Insurance
Personal and family health insurance plans covering acute medical conditions including in-patient and out-patient treatment, designed for Maltese residents under age 60.
health
Business Health Insurance
Group health insurance solutions for businesses, providing employees with coverage for acute medical conditions and treatment.
travel
Travel Insurance
Travel insurance for individuals or groups, covering leisure or business travel to Europe and worldwide, with Standard or Extra cover including medical expenses, cancellation, personal baggage and personal liability.
other
Yacht & Pleasure Craft Insurance
Comprehensive yacht and pleasure craft insurance covering accidental damage, theft, fire and malicious damage, plus third-party liability up to €235,000.
other
Cargo Insurance
Insurance covering physical damage or loss of goods in transit, including import and export by land and sea, for both businesses and individuals.
motor
Commercial Vehicle Insurance
Commercial vehicle insurance offering comprehensive, third-party fire and theft, or third-party only cover for business vehicles including vans and commercial fleets.
property
Construction & Engineering Insurance
Contractors' All Risks, Plant All Risks, Machinery Installation and Machinery Breakdown insurance for construction and engineering projects in Malta.
property
Large Commercial & Industrial Insurance
Comprehensive commercial and industrial insurance package including Industrial All Risks, Business Interruption, Electronic Equipment, Machinery Breakdown, Fidelity Guarantee, Goods in Transit and Personal Accident covers.
property
Small & Medium Enterprise (SME) Insurance
Tailored insurance for small and medium businesses covering fire, theft, public liability, employers' liability, money, machinery breakdown and optional extensions.
Regulatory updates
Elmo Insurance Limited is authorised to carry on general insurance business in terms of the Insurance Business Act (Chapter 403 of the Laws of Malta) and is regulated by the Malta Financial Services Authority (MFSA). The company participates in the Protection and Compensation Fund, which provides limited compensation to policyholders if a locally licensed insurer becomes insolvent. No specific adverse regulatory actions were found during this research period.