This chapter includes the following articles.
Insurance
![Kuwait Insurance Kuwait Insurance](https://drupal.oxfordbusinessgroup.com/sites/default/files/styles/chapter_header__710x233_/public/chapter_headers/ins1.png?itok=ONZ-QUr3&c=2f9ca44478874689c7a8b4a186520ea8)
While the insurance sector has posted steady growth in recent years, in general it remains relatively small, with the energy sector underpinning a great deal of the activity in the market. Insurance penetration was reported at 0.6% in 2012, which was the lowest penetration rate in the GCC at the time. However, there is optimism among locals as gross written premiums as a whole have continued to grow over the past decade, even as competition has remained tough.