Mission Statement, Vision, & Core Values of International General Insurance Holdings Ltd. (IGIC)

You know that a company's foundational documents-its Mission Statement, Vision, and Core Values-are not just marketing fluff; they are the operating code that dictates financial performance and risk management, especially in a specialist underwriter like International General Insurance Holdings Ltd. (IGIC). For the first nine months of 2025, IGIC's disciplined approach, which is a direct reflection of its values, helped deliver a net income of $94.9 million and an enviable combined ratio of 87.1%. How does a global firm with $2.1 billion in total assets as of September 30, 2025, maintain that kind of underwriting profit while returning $98 million to shareholders in the same period? Are you defintely factoring the core principle of 'peace of mind in times of uncertainty' into your valuation model, and how does their 'Innovative, Genuine, Integrity' framework translate to a 19% annualized return on average equity (ROE)? Let's unpack the strategic intent behind the numbers.

International General Insurance Holdings Ltd. (IGIC) Overview

You need a clear picture of International General Insurance Holdings Ltd. (IGIC), and the latest 2025 data shows a specialty insurer with disciplined underwriting, even as market dynamics shift. This company, founded in 2001 by Wasef Salim Abdulrahman Al-Jabsheh, has grown into a global specialist commercial insurer and reinsurer, headquartered in Amman, Jordan, with its legal domicile in Bermuda.

IGIC focuses on complex, specialty lines of business, meaning they don't just sell standard car insurance. They break their business into three key segments: Specialty Long-tail, Specialty Short-tail, and Reinsurance. This diversification is key to their resilience. Their main product lines cover high-value, niche risks across the globe from offices in London, Dubai, and Casablanca, among others.

For the twelve months ending September 30, 2025 (TTM), IGIC's total revenue stood at $525.81 million, showing a modest year-over-year increase of 3.88%. This steady growth in sales, or premiums, is a sign that their specialist approach is working, even with the competitive pressures we see in the market right now. For a deeper dive into the company's foundation and strategy, you can check out International General Insurance Holdings Ltd. (IGIC): History, Ownership, Mission, How It Works & Makes Money.

• Underwrite complex risks globally.
• Focus on specialty lines like Energy and Marine.
• TTM Revenue (Sept 2025) hit $525.81 million.

Q3 2025 Financial Performance and Key Growth Drivers

Looking at the Q3 2025 results, reported on November 4, 2025, the financial performance is strong, even if the top-line revenue was a little soft. The company reported net income of $33.5 million for the quarter, and for the first nine months of 2025, net income reached $94.9 million. Honestly, the real story here isn't the quarter's revenue of $128.60 million (which was down slightly from Q3 2024), but the underwriting discipline.

Here's the quick math: IGIC posted a combined ratio (a key measure of profitability where a lower number is better) of just 76.5% for Q3 2025. That is defintely a fantastic number, showing they are making a great profit on every premium dollar after paying claims and expenses. This performance drove an annualized return on average equity (ROAE) of 20% for the quarter. They are also committed to shareholder returns, having returned close to $100 million through dividends and share repurchases in the first nine months of 2025.

Growth in their main product sales, particularly the specialty lines, is best reflected in their Net Premiums Earned, which came in at just under $115 million for Q3 2025. What this estimate hides is the strategic focus on profitable underwriting over sheer volume, which is why the combined ratio is so low. They are growing the quality of the book, not just the size.

A Recognized Leader in Specialty Insurance

International General Insurance Holdings Ltd. is firmly established as one of the leader companies in the global specialty insurance and reinsurance industry. This isn't just a self-proclaimed title; it's backed by the major ratings agencies. In October 2025, S&P Global Ratings upgraded the company's financial strength rating to 'A' with a stable outlook. This 'A' rating is a crucial signal of financial stability and a strong track record, which makes them a more attractive partner for brokers and clients worldwide.

Their success stems from a clear strategy: deep expertise in niche markets, a global operating footprint, and a commitment to disciplined underwriting that consistently delivers a low combined ratio. They have over $2 billion of assets and $651.6 million of equity as of December 31, 2024, providing a strong capital base to support their global operations. This financial strength, coupled with their expertise in covering complex risks like political violence and energy, is why they are a market leader. Find out more below to understand why International General Insurance Holdings Ltd. is successful in navigating the competitive insurance environment.

International General Insurance Holdings Ltd. (IGIC) Mission Statement

You're looking for the anchor that guides a specialty insurer like International General Insurance Holdings Ltd. (IGIC), especially when the market feels like it's constantly shifting. The mission statement is more than just a marketing line; it's the strategic compass that dictates every underwriting decision and capital allocation choice. For IGIC, the core purpose is simple and powerful: "To provide peace of mind in times of uncertainty."

This mission is the bedrock for their long-term goals. In the complex world of specialty risk-think energy, marine, and political violence insurance-peace of mind translates directly into financial strength and reliable claims payment. It's what allows them to deliver an underwriting profit, even when the broader property and casualty (P&C) industry faces headwinds. This commitment is why their strategic vision is built on being a reliable and trusted partner, a four-pronged approach that maps directly to their stakeholders.

Here's the quick math: a mission focused on stability and expertise leads to disciplined underwriting, which in turn drives a low combined ratio (the key measure of underwriting profitability). This is how IGIC generated a strong combined ratio of just 76.5% in the third quarter of the 2025 fiscal year. That's a defintely strong signal of their operational precision.

Core Component 1: Trusted Partner to Our Clients

Being a trusted partner to clients means delivering expertise and responsive service, especially when underwriting complex, non-commoditized risks. You don't buy specialty insurance on a website; you buy it based on the underwriter's knowledge and the promise of a pay-out. This focus on high-quality, specialized products is what differentiates them from general P&C carriers.

The industry average combined ratio for the U.S. P&C market in 2025 is forecast to be around 98.5% to 99.2%, meaning most carriers are barely breaking even on underwriting alone, or even losing money. IGIC's Q3 2025 combined ratio of 76.5% shows a massive gap in underwriting discipline. This isn't luck; it's a direct result of their client-centric vision, which prioritizes effective risk selection over chasing premium volume.

• Tailor policies to unique, complex client risk profiles.
• Ensure responsive claims service, minimizing friction.
• Build long-term trust through financial stability.

The client relationship is the engine for their underwriting profitability. When you tailor coverage, you get better pricing and fewer unexpected losses. It's a win-win that drives their superior returns. You can read more about the financial implications in Breaking Down International General Insurance Holdings Ltd. (IGIC) Financial Health: Key Insights for Investors.

Core Component 2: Generating Sustainable Value for Our Shareholders

The second core component of the vision is straightforward: generating sustainable, long-term value for shareholders through active management of the business cycle. This is where the underwriting discipline directly translates into investor returns. A low combined ratio means more of the premium dollar is profit, which fuels a strong return on equity (ROE).

For the third quarter of 2025, IGIC reported an annualized return on average equity of 19.9%. To put that in perspective, the broader U.S. P&C industry ROE is forecast to be closer to 10% for 2025. This exceptional performance led to an affirmation of their financial strength, highlighted by an S&P Global Ratings upgrade to 'A' with a stable outlook. That 'A' rating is a critical signal of balance sheet health to the market.

Still, they are not hoarding capital. By November 2025, IGIC had already returned $98 million to shareholders through dividends and share repurchases year-to-date. That's a clear action showing management's confidence in their capital position and future profitability.

Core Component 3: Inspiring Our People and Supporting Our Communities

The final pillar of their vision focuses on creating a diverse and inclusive workplace that empowers employees, plus instilling a spirit of giving to the community. In a knowledge-intensive business like specialty insurance, your intellectual capital-your people-is your most valuable asset. Losing a top underwriter means losing years of accumulated risk expertise.

The insurance industry generally shows decent employee engagement, with about 73% of employees engaged, sitting in the top 41% of industries. IGIC's focus on empowerment is crucial because deep, focused work is required for complex underwriting. Insurance professionals log an average of 4 hours and 37 minutes of daily focus time, ranking third across all sectors. IGIC needs to maintain a culture that supports this level of deep-thinking work.

What this commitment hides is the constant pressure on talent retention in a hard market. By fostering a culture of innovation and improvement, they aim to keep that specialized talent. This is how they ensure the underwriting expertise that drives the 76.5% combined ratio remains in-house. It's a long-term investment that pays off in sustained underwriting profit, not just a feel-good initiative.

International General Insurance Holdings Ltd. (IGIC) Vision Statement

You're looking for the foundational principles that drive International General Insurance Holdings Ltd. (IGIC), and that's smart. The mission, vision, and values are not just corporate boilerplate; they are the strategic blueprint that explains their impressive financial results. The direct takeaway is this: IGIC's strategy is a disciplined, underwriting-first approach that translates directly into superior shareholder value, evidenced by a Q3 2025 combined ratio of 76.5%.

I've seen countless insurers over two decades, and IGIC's clarity is a competitive advantage. Their purpose is simple, and their strategic vision is built on three clear, measurable pillars that map their commitment to clients and investors. This focus is what allows them to outperform.

Mission Statement: Peace of Mind in Uncertainty

The company's stated purpose, which serves as its Mission, is 'To provide peace of mind in times of uncertainty.'. This isn't just a nice sentiment; it's the core of their business model. As a specialty commercial insurer and reinsurer, they take on complex, non-standard risks-like energy, marine, and political violence coverage-that others shy away from. Honestly, the only way to deliver peace of mind in those volatile lines is through deep technical expertise and rigorous risk selection.

This mission requires an 'underwriting first' strategy, which means they prioritize technical profitability over chasing premium volume. This is why their Q3 2025 combined ratio was so strong at 76.5%, a clear sign that underwriting operations are highly profitable even before factoring in investment income. That's a defintely solid buffer against market shocks.

Vision Pillar 1: Total Value Creation for Shareholders

The ultimate financial vision for International General Insurance Holdings Ltd. is a commitment to long-term total value creation, specifically measured through growth in tangible book value per share plus dividends. This metric is the purest measure of an insurer's success because it combines underwriting profit with prudent capital management.

The 2025 year shows this vision in action. Book value per share grew by almost 10% to $16.23 over the first nine months. Plus, they returned a significant $98 million to shareholders through dividends and share repurchases in the first nine months of the year. Here's the quick math: generating a Q3 2025 annualized return on average equity (ROAE) of 19.9% proves they are not letting capital sit idle; they are putting it to work for you.

• Drive book value growth.
• Return excess capital to owners.
• Maintain superior ROAE.

Vision Pillar 2: Disciplined Underwriting First Strategy

Their vision for operational excellence centers on an 'underwriting first' individual risk underwriting strategy. In plain English, they focus on making money from the insurance policies themselves, not just from investing the premiums. They aim for a combined ratio-the measure of claims and expenses against premiums-below 90%.

The Q3 2025 result of 76.5% shows they are hitting this target with room to spare. This disciplined approach, focusing on specialty niches like energy and marine liability, reduces volatility and ensures a consistent stream of underwriting income. For the first nine months of 2025, their net income stood at a robust $94.9 million. This is the engine of their financial health. You can see a deeper dive into this performance in Breaking Down International General Insurance Holdings Ltd. (IGIC) Financial Health: Key Insights for Investors.

Vision Pillar 3: Global Reach with Local Expertise

International General Insurance Holdings Ltd. operates with a vision of 'Global Presence, Local Knowledge'. They are not just a Bermuda-domiciled insurer; they have underwriting hubs in London, Amman, Dubai, and Kuala Lumpur, among others. This global footprint allows them to underwrite a diversified portfolio of specialty lines in over 200 countries and markets, giving them access to less-correlated risks.

This diversification is a key risk-mitigation tool. By having a mix of mature and high-growth, under-represented geographies, they can dynamically shift their focus to markets with the strongest margins and rate momentum. This strategic flexibility is a major reason S&P Global Ratings upgraded them to an 'A' rating with a stable outlook in 2025. That rating is a concrete reflection of their balance sheet strength and stable outlook.

Core Values: The Embedded Culture

While International General Insurance Holdings Ltd. states its values are 'Embedded Throughout the Company,' their actions and operational strategy clearly point to a few non-negotiable core principles. These are the cultural guardrails that support the entire vision.

The observed values are:

• Underwriting Discipline: Prioritizing technical profit over premium volume.
• Integrity: Maintaining a prudent reserving philosophy and zero financial leverage.
• Client-Centricity: Known for responsive claims services and tailoring coverage to complex risks.
• Operational Excellence: Achieving a consistently low combined ratio through effective cost management.

What this estimate hides is the human capital side-the deep technical expertise of their underwriters is what makes the low combined ratio possible, not just the strategy itself. The commitment to a performance-based culture is the real, unwritten core value that ties it all together.

International General Insurance Holdings Ltd. (IGIC) Core Values

You're looking for the bedrock of International General Insurance Holdings Ltd. (IGIC)'s financial performance, and honestly, it boils down to a few non-negotiable values. They don't just print these on a poster; they embed them in their underwriting decisions, which is why their balance sheet looks so strong. The core takeaway is simple: IGIC's discipline on risk selection is directly translating into superior shareholder returns in 2025.

The company's purpose-to provide peace of mind in times of uncertainty-is the high-level mission, but the real work happens in the trenches, guided by these principles. For a deeper dive into the company's structure and history, you can check out International General Insurance Holdings Ltd. (IGIC): History, Ownership, Mission, How It Works & Makes Money.

Underwriting Discipline

This is the central pillar of IGIC's strategy, often referred to as an 'underwriting first' approach. It means they prioritize technical profitability over chasing top-line revenue growth, especially in a softening market. This is how you build resilience, not just volume.

The proof is in the combined ratio (a key measure of profitability for an insurer, where a number below 100% indicates an underwriting profit). For the third quarter of 2025, IGIC reported a combined ratio of just 76.5%. That is a fantastic number, demonstrating that their careful risk selection is paying off. They are defintely not afraid to walk away from bad business.

A concrete example of this discipline is their strategic withdrawal from unprofitable lines. The CEO noted the non-renewal of a circa $50 million premium professional indemnity account because its profitability profile did not meet their required threshold. That's a clear action that speaks louder than any mission statement. It shows they will sacrifice revenue for margin, which is the smart long-term play.

Commitment to Value Creation

For you as an investor, this value is the most tangible. IGIC's core commitment is to long-term total value creation, measured primarily by growth in tangible book value per share plus dividends. They are focused on giving capital back when they don't need it for disciplined growth.

Their financial performance in 2025 clearly backs this up:

• Annualized Return on Average Equity (ROAE) was approximately 19.9% for Q3 2025.
• Book value per share grew by almost 10% in the first nine months of 2025.
• They returned approximately $98 million to shareholders in the first nine months of 2025 through dividends and share repurchases.

Here's the quick math: a high ROAE combined with a growing book value and significant capital return means management is allocating capital efficiently. This focus on financial strength also led to an upgrade in their S&P Global Ratings to 'A' (Strong) with a stable outlook, affirming their capital preservation strategy.

Expertise and Service

In specialty insurance, you don't win on price; you win on deep technical expertise and service. IGIC positions itself as an international specialist commercial insurer and reinsurer, which requires a highly skilled team that understands complex risks in niche markets like energy, marine, and political violence.

Their commitment here is demonstrated by:

• Employing a team of specialized professional underwriters across their eight global offices.
• Focusing on 'intelligent risk selection' across a diverse range of specialty lines.
• Maintaining a reputation based on focused underwriting expertise and flexible, efficient claims handling.

The fact that they continue to see healthy growth opportunities in specific areas like engineering and construction, as noted by their CEO, shows their expertise allows them to spot profitable niches even as the broader market gets more competitive.

Integrity and People

Any financial institution needs integrity to survive, but IGIC's value in this area extends to their people and social commitment. They operate with a mature governance structure, including a majority independent Board and a formal Environmental, Social, and Governance (ESG) Committee that meets quarterly.

This commitment to the 'S' in ESG is visible in their long-standing focus on Diversity and Inclusion (D&I). They actively support initiatives like the Lloyds of London 'Dive In Festival,' which promotes D&I across the insurance sector. For a global company with offices from London to Amman to Kuala Lumpur, having a diversified workforce isn't just a compliance issue; it's a necessity for understanding and underwriting their worldwide portfolio of specialty lines. This cultural compatibility is key to providing a high level of service in all the regions they operate.