What Triglav does

Triglav osiguranje a.d.o. is the Serbian insurance subsidiary of Slovenia-based Triglav Group (Grupa Triglav), operating as a regulated joint-stock insurer headquartered at Milutina Milankovića 7a, Belgrade (Novi Beograd). The company underwrites a full multi-line insurance portfolio spanning vehicle (auto liability, Kasko, partial Kasko, roadside assistance, vessel), home (the 'Moj krov' packaged product), life (mixed life, supplementary critical illness, scholarship, survival, credit life, risk life), personal accident, voluntary and travel health, and agricultural (crops, fruits, livestock) coverage. It serves two horizontal customer segments — Stanovništvo (individuals/households) and Pravna lica (legal entities/businesses) — through a multi-channel distribution model that combines an omnichannel branch network of at least ten Serbian cities, an online purchase and claim platform (e.triglav.rs / online.triglav.rs), a 24/7 contact center including a dedicated medical contact center, and field sales agents (zastupnici).

The business model is underwriting-based: revenue is generated through insurance premiums collected across product lines as either one-time or recurring payments depending on policy type, with pricing varying by coverage, risk profile, and policyholder. Travel insurance carries a 15% online-purchase discount, agricultural premiums can be state-subsidized for registered holdings, and underwriting margins — not subscription SaaS metrics — are the financial engine. Embedded channel partners extend reach and reduce friction: Europ Assistance handles travel claims abroad and roadside assistance, NLB Komercijalna Banka handles treasury operations, Yettel Srbija distributes mobile device insurance, and the company sponsors the Basketball Federation of Serbia for consumer brand visibility.

The technology stack is described as an insurance technology platform supporting online sales, policy management, and claims processing through digital channels, with online insurance calculators across product lines and digital claim intake via email. Underlying infrastructure carries ISO 27001:2022 information security certification alongside ISO 9001:2015, ISO 14001:2015, ISO 45001:2018, and SRPS ISO 10002:2019 certifications, plus GDPR compliance. The organization reports 501-1,000 employees and shows no publicly disclosed revenue, premium income, or loss ratio in the source data.

Name

Triglav

Legal name

AKCIONARSKO DRUŠTVO ZA OSIGURANJE TRIGLAV OSIGURANJE, BEOGRAD (NOVI BEOGRAD)

Website

https://triglav.rs

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Triglav osiguranje a.d.o. is the Serbian insurance subsidiary of Slovenia-based Triglav Group, underwriting multi-line coverage — vehicle, home, life, health, travel, and agricultural — for individuals and businesses across Serbia through branch offices, online channels, contact centers, and field agents.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Travel & Accident (Non-Life) Insurance (FSAJAMAN), Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC)

Keywords

• Insurance services
• Vehicle insurance
• Life insurance
• Property insurance
• Health insurance

Headquarters

HQ city

Belgrade

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Insurance Premiums: Triglav osiguranje generates revenue by collecting insurance premiums from policyholders across multiple insurance product lines including vehicle insurance (auto liability, casco), home insurance, life insurance, health insurance, accident insurance, travel insurance, and agricultural insurance. Premiums are collected as one-time or recurring payments depending on the policy type.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Triglav osiguranje a.d.o. provides a comprehensive portfolio of insurance products for individuals and legal entities in Serbia, including vehicle insurance (auto liability, Kasko, partial Kasko, and road assistance for automobiles and vessels), home insurance (Moj Krov package), life insurance (mixed, risk, credit life, survival, scholarship, critical illness), accident insurance, voluntary and travel health insurance, and agricultural insurance for crops, fruits, and livestock. Policies are sold and serviced through branch offices, an online platform, a contact center, and field sales agents.

Product overview

Triglav osiguranje a.d.o. is an insurance company offering a comprehensive portfolio of insurance products for individuals and legal entities. The product portfolio includes: vehicle insurance (auto liability, Kasko, partial Kasko, road assistance) for automobiles and vessels; home insurance through the 'Moj Krov' (My Roof) package product; life insurance products (mixed life insurance, supplementary critical illness insurance, scholarship insurance, survival insurance, credit life insurance, and risk life insurance); accident insurance; voluntary and travel health insurance; and agricultural insurance for crops and livestock. The company provides digital tools including online insurance calculators for various products and online claim filing capabilities. The products operate as separate insurance offerings rather than a unified platform architecture.

Differentiator

Problem solved

Functional benefit

Brands

• Moj krov: Online home insurance product for household protection
• Triglav Max paket

Products and services

• Vehicle Insurance (Osiguranje vozila) Comprehensive vehicle insurance offering including mandatory auto liability (autoodgovornost), full Kasko, partial Kasko, and roadside assistance coverage for passenger vehicles and vessels, sold to individual and commercial vehicle owners in Serbia.
• Moj Krov — Home Insurance Package Combined household insurance package (Moj Krov / 'My Roof') protecting homes and apartments from risks such as fire, theft, and natural disasters, sold online to Serbian households.
• Mixed Life Insurance (Mešovito životno osiguranje) — 'Triglav – pravi izbor' Life insurance product combining a death benefit with a savings component, offered to individuals seeking long-term financial security and investment-linked coverage.
• Risk Life Insurance (Riziko životno osiguranje) — 'Miran san' Pure risk life insurance policy providing a death benefit to beneficiaries without a savings element, focused on family financial security in the event of death.
• Credit Life Insurance (Životno osiguranje korisnika kredita) — 'Bezbrižan dom' Life insurance tied to a credit/loan, protecting the family of the credit holder from inheriting the financial burden of the outstanding loan in case of death.
• Survival Insurance (Osiguranje za slučaj doživljenja) — 'Sigurna budućnost' Endowment-style survival insurance primarily for elderly persons, combining a savings component with a lump-sum payout at survival of a specified term.
• Scholarship Insurance (Stipendijsko osiguranje) — 'Sigurni koraci' Insurance policy providing financial support for a child's education or funds to start independent life, sold to parents or guardians in Serbia.
• Accident Insurance (Osiguranje od nezgode) Personal accident insurance providing financial protection against injuries and accidents for individuals, available standalone or as a supplement to other policies.
• Voluntary Health Insurance (Dobrovoljno zdravstveno osiguranje) Voluntary individual and family health insurance offering quick access to private medical care and adequate treatment, sold to Serbian residents seeking faster and broader healthcare access.
• Travel Health Insurance (Putno zdravstveno osiguranje) Travel health insurance for travelers going abroad, available for online purchase with a 15% online discount and backed by Europ Assistance 24/7 international claims handling.
• Agricultural Insurance (Poljoprivredno osiguranje) Insurance protection for crops, fruits, and livestock against adverse weather conditions, disease, and other agricultural risks, including the 'Triglav Max paket' livestock package and subsidized premiums for registered agricultural holdings.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Europ AssistancecoreTechnology or IntegrationEurop Assistance serves as Triglav's assistance partner for travel insurance claims abroad, available 24 hours. Customers can contact Europ Assistance via phone (+381 11 4144 105) or email for travel insurance claims while abroad. The partnership also includes automotive assistance services.
• NLB Komercijalna BankaminorOthersNLB Komercijalna Banka is Triglav's banking partner for the company's current account operations. Current account number: 205-507834-68.
• Košarkaški savez Srbije (Basketball Federation of Serbia)minorGTM or Marketing PartnerTriglav osiguranje is a proud sponsor of the Basketball Federation of Serbia, providing brand visibility through sports sponsorship.
• Yettel SrbijaminorStrategic or Co-development PartnerTriglav offers mobile phone insurance products in partnership with Yettel, including insurance for mobile equipment purchased through Yettel stores and remote insurance purchasing options.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Generali Osiguranje Srbija: Serbian subsidiary of Generali Group offering life and non-life insurance to individuals and businesses. Directly comparable multi-line insurer with international backing and similar distribution model.
• AMS Osiguranje: Serbian insurer historically tied to the auto association, focused on motor and roadside assistance insurance. Overlaps with Triglav in the vehicle insurance segment that anchors Triglav's portfolio.
• Dunav Osiguranje: Largest Serbian domestic insurer offering comprehensive life and non-life insurance products across individuals and corporates. Direct competitor with extensive branch network and similar multi-line strategy.
• DDOR Novi Sad: Serbian multi-line insurance company offering vehicle, property, life, and casualty products through a similar branch-and-agent model. Direct head-to-head competitor in the Serbian market with comparable product breadth.
• Grawe Osiguranje Srbija: Austrian Grawe Group's Serbian operation providing life, property, and casualty insurance. Similar mid-sized multi-line positioning in the Serbian market with overlapping customer segments.
• Wiener Stadtische Osiguranje (VIG Serbia): Serbian subsidiary of Vienna Insurance Group offering motor, property, life, and health insurance. Directly comparable product portfolio and corporate customer base in the Serbian market.
• UNIQA Osiguranje Srbija: Austrian-backed multi-line insurer in Serbia offering motor, property, life, and health insurance. Closely comparable in product mix, distribution channels, and CEE-focused ownership structure.

Broad incumbents

• Triglav Group (parent): Slovenian parent conglomerate operating insurance across the Adriatic region; useful benchmark for capital allocation, product strategy, and regional positioning of the Serbian subsidiary.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/TOSrbija
• LinkedInlinkedin.com/company/triglav-osiguranje-beograd

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Triglav