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The Asociación Salvadoreña de Empresas de Seguros (ASES) commemorates more than half a century of strengthening the insurance sector in El Salvador and has consolidated its position as a strategic pillar that unites, strengthens, and energizes the insurance market in El Salvador.
The joint effort of the insurance sector has allowed it to reach some important milestones to date:
• Pillar of social and economic protection. In 2025, insurers paid more than $452 million in claims. In the last five years, that figure exceeds $2.131 billion allocated to restoring the assets of salvadorans, thus helping families, businesses, and the state itself to recover from unexpected events that could seriously compromise their financial stability.
• Positive trends in 2026. As of april 2026, the sector maintains a positive trend, with net premiums of US$330.9 million, a 5.8% increase compared to the same period of the previous year. Personal insurance leads to this expansion, growing by 8.3%, while general insurance registers a 3.9% increase.
• Engine of employment and value. The industry is consolidating its position as a driver of the national economy, generating more than 2,300 direct jobs and nearly 17,000 indirect jobs, boosting a broad value chain that includes medical services, pharmacies, workshops, specialized suppliers, and multiple productive activities.
Our country is undergoing a significant transformation. The improvement in security conditions has created a more favorable environment for economic activity, investment, and business development.
This new reality opens opportunities for the expansion of productive projects, the attraction of domestic and foreign investment, and job creation. In this context, insurance plays a strategic role by providing the confidence and protection mechanisms that allow individuals and businesses to invest, undertake and grow with greater certainty.
However, we still face significant challenges. Insurance penetration represents approximately 2.6% of GDP, and it is estimated that only 21% of the population has any type of private insurance.
These figures highlight a significant protection gap that we must continue to close. Therefore, one of our priorities is to strengthen the culture of prevention and risk management, promoting a greater understanding of insurance as an essential tool for financial resilience and people’s well-being.
The future presents us with new challenges and opportunities. Digital transformation, climate risks, demographic changes, and new protection demand an increasingly innovative, responsive, and adaptable industry.
In El Salvador, the insurance industry is moving in this direction, always keeping our core purpose—to protect—at the heart of our work.
The salvadoran insurance sector will continue working to build a stronger, more resilient, transparent, and inclusive market, convinced that every time we protect the health, assets, and life plans of salvadorans, we also contribute to ensuring the future and sustainable development of our country.
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