Croatia osiguranje

What Croatia osiguranje does

Croatia osiguranje (operating as Croatia Osiguranje D.d. BiH) is the Bosnia and Herzegovina subsidiary of the Croatia Osiguranje insurance group, headquartered in Mostar. The entity offers vehicle, travel, and health insurance products to consumers and likely small and medium-sized businesses in the Bosnian market, operating through a regulated insurance distribution model that requires licensing and capital adequacy under BiH insurance supervisor oversight. Its business model is the standard insurance underwriting model: collecting premiums from policyholders, pooling risk, and paying claims, with revenue derived from net premium income and investment income on float. The company employs between 101 and 250 people, consistent with a mid-sized regional insurance carrier serving a single national market.

The company's underlying technology stack, digital channels, pricing sophistication, and claims-processing infrastructure are not documented in the available input data. The corporate website (crosig.ba) returned only a loading/verification page during data capture, so no substantive information on product detail, distribution channels beyond the physical Mostar base, or technology architecture could be extracted. Operating status is confirmed as active per firmographic records. The entity is classified as private (it is a subsidiary, not a separately listed company), and no parent-company structure, capital base, or ownership percentage is disclosed in the provided data.

There is no evidence in the input of recent strategic actions, funding events, leadership changes, M&A activity, product launches, partnerships, geographic expansions, or AI/technology initiatives. Revenue figures, headcount trends, and financial performance indicators are absent. As such, the analytical signal available is limited to firmographic positioning: a regulated, multi-line, mid-sized insurance subsidiary of an established regional group operating in a single Balkan market.

Name

Croatia osiguranje

Website

https://crosig.ba

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Croatia osiguranje (Croatia Osiguranje D.d. BiH) is the Bosnia and Herzegovina-based subsidiary of the Croatia Osiguranje insurance group, offering vehicle, travel, and health insurance products from Mostar with 101-250 employees.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

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

akta.pro primary industry

Full-Coverage Personal Auto Insurance (FSAJAAAF)

akta.pro secondary industries

Group Travel & Corporate Travel Accident Insurance (FSAJAJAK), Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• Vehicle insurance
• Travel insurance
• Health insurance
• Insurance services
• General insurance

Headquarters

HQ city

Mostar

HQ country

Bosnia & Herzegovina

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Core offering

Croatia Osiguranje D.d. BiH provides general insurance products and services, with offerings spanning vehicle insurance, travel insurance, and health insurance. The company sells these insurance policies to customers located in Bosnia and Herzegovina.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Insurance

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Expansion highlights2 records

Broad incumbents

• Croatia osiguranje d.d. (Croatia): Croatian parent/affiliated entity and one of the largest insurers in Croatia; while not a direct competitor in BiH, it provides the brand, capital, and product framework that defines the BiH subsidiary's positioning.

Direct peers

• Triglav osiguranje: Slovenian Triglav Group's BiH operation offering motor, travel, accident, and health insurance, directly comparable to Croatia Osiguranje BiH in product mix and target segments.
• Adriatic osiguranje: Bosnia and Herzegovina-based multi-line insurer offering vehicle, property, and personal insurance products, directly competing with Croatia Osiguranje BiH in the domestic market.
• Grawe osiguranje: Austrian-affiliated insurer operating in BiH with motor, travel, accident, and health products, overlapping directly with Croatia Osiguranje's vehicle, travel, and health lines.
• ASA osiguranje: BiH-domiciled insurer providing motor, travel, and health coverage with a similar multi-line retail focus, competing head-to-head with Croatia Osiguranje for individual and SME customers.
• Euroherc osiguranje: BiH-based insurer offering motor, property, travel, and personal insurance, a direct competitor across Croatia Osiguranje's vehicle and travel insurance lines.
• UNIQA osiguranje (BiH): BiH subsidiary of Austrian UNIQA Group offering motor, travel, health, and property insurance; competes directly with Croatia Osiguranje across all three of the subject's core lines.
• Sarajevo osiguranje: Domestic BiH insurer focused on motor and general insurance products, competing with Croatia Osiguranje primarily in personal and commercial vehicle coverage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights4 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Croatia osiguranje