Asito Kapital

What Asito Kapital does

Asito Kapital S.A. is a privately held Romanian insurance and reinsurance company, incorporated in 1998 and headquartered in Bucharest at Str. Elena Văcărescu Nr. 100A, Sector 1. The company has operated continuously for 28 years and holds authorization from the Financial Supervisory Authority (ASF) under number RA-025/10.04.2003, along with ISO 9001:2015 quality management certification. It distributes through a direct sales force and an ASF-regulated network of insurance agents and intermediaries, with quote-based pricing and installment payment options.

The company underwrites a broad portfolio across commercial and personal lines, organized into two main segments. For legal entities (primary segment), products include contractual guarantees (Garanții), general and professional civil liability, construction and installation (Construcții Montaj), cargo transport, buildings and property, electronic equipment, CASCO, directors and officers liability (D&O), and a dedicated integrated package for the petrochemical industry covering prospecting, production, refining, transport, storage, and distribution. For individuals, the company offers voluntary and mandatory (PAD) home insurance plus CASCO. The flagship retail-commercial product is ASITOMED PREMIUM PLAN, a group health insurance package built on a partnership with MEDOC that provides policyholder access to over 700 healthcare providers nationwide, including state and private networks, 24/7 call center, outpatient consultations, diagnostics (MRI, CT, scintigraphy), hospitalization, and rehabilitation; the cost is tax-deductible up to €250 per employee per year.

The revenue model is subscription/recurring, generated through insurance premiums collected according to policy terms. Headcount is reported at 11-50 employees, and the company does not disclose revenue, premium volume, or capital structure. Ownership is private and undisclosed, with no disclosed external investors, private equity, or venture capital backing. The Board of Directors includes Oleg Boian (President, mandate expired), Vadim Vodovoi, and Gheorghe Nafornița (mandate expired), while operational leadership consists of General Director Marcel Pîrciog and Deputy General Director Alexandra Giuglea, supported by department heads across actuarial, risk management, financial accounting, claims, internal audit, IT, HR, marketing/quality, and product lines. The company is operationally active and continues to participate in 2026 industry campaigns including #FII TREAZ la VOLAN and Luna Asigurărilor de Sănătate, and reports zero complaints and zero alternative dispute resolution requests in the trailing three months on its website.

Name

Asito Kapital

Legal name

ASITO KAPITAL S.A.

Website

https://asitokapital.ro

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Asito Kapital S.A. is a privately held Romanian insurance and reinsurance company, founded in 1998 in Bucharest, underwriting commercial and personal lines including health, construction, petrochemical, property, and D&O for legal entities and individuals.

Ownership category

akta.pro rank

Product category

Commercial Insurance Services

NAICS

Insurance Carriers (5241), Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro primary industry

Large Commercial Package (National Accounts) (FSAJAFAC)

akta.pro secondary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Commercial insurance products
• Property liability insurance
• Group health insurance
• Construction erection insurance
• Mandatory home insurance

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: Asito Kapital generates revenue through collection of insurance premiums from policyholders. The company offers various insurance products including property, liability, health, construction, cargo, petro-chemical, and manager liability insurance. Premiums are collected according to policy terms with installment payment options available.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Asito Kapital is a Romanian insurance and reinsurance company that underwrites and distributes a multi-line insurance portfolio to both businesses (legal entities) and individuals (natural persons). Commercial offerings include contractual guarantees, general and professional civil liability, construction and erection, cargo transport, buildings and property, electronic equipment, D&O, petrochemical industry, and CASCO fleet insurance. Individual offerings include voluntary home insurance, mandatory home insurance (PAD), and CASCO. The flagship ASITOMED PREMIUM PLAN provides group supplementary health insurance with access to a network of over 700 healthcare providers.

Product overview

Asito Kapital is a Romanian insurance and reinsurance company operating for 28 years in Romania. The company offers a comprehensive portfolio of insurance products organized into two main segments: legal entities (businesses) and individuals. The product portfolio includes: Garanții (contractual guarantees), Răspundere Civilă Generală & Profesională (general and professional liability), Construcții Montaj (construction and installation), Transport Cargo, Accidente Persoane (personal accidents), Sănătate with the ASITOMED PREMIUM PLAN brand, Clădiri și bunuri (buildings and property), Răspunderea managerilor D&O (directors and officers liability), Asigurarea domeniului petro-chimic (petrochemical industry), Echipamente electronice (electronic equipment), CASCO vehicle insurance, and mandatory/optional home insurance. The company serves both corporate and individual clients with solutions for risk management, business protection, and employee benefits.

Differentiator

Problem solved

Functional benefit

Products and services

• Garantii (Contractual Guarantees Insurance) Contractual guarantee insurance providing financial protection and support for business development, intended for companies requiring guarantees for tenders and contractual obligations.
• General and Professional Civil Liability Insurance General and professional civil liability insurance covering damages caused by the insured or their representatives through fault to third parties, intended for legal entities.
• Construction and Erection (CAR/EAR) Insurance Construction and installation insurance covering investments in construction, hydrotechnical works, communication routes, and real estate projects, intended for construction companies and investors.
• Cargo Transport Insurance Cargo transport insurance covering goods during maritime, road, river, and air transportation, intended for shippers, freight forwarders, and cargo owners.
• Personal Accident Insurance Personal accident insurance for employees, event participants, hotel guests, and other groups, intended for organizations seeking to protect people or reward employees.
• ASITOMED PREMIUM PLAN Health Insurance Supplementary group health insurance providing access to medical services including consultations, laboratory tests, hospitalizations, and recovery services through a network of over 700 healthcare providers via MEDOC partnership. Includes tax deductibility up to €250 per year per employee, intended for employer-sponsored employee benefits programs.
• Buildings and Property Insurance Fire and other perils insurance for buildings and property, covering structures, annexes, and contents including furniture, equipment, inventory, and raw materials, intended for property owners and businesses.
• Directors and Officers (D&O) Liability Insurance Directors and Officers liability insurance covering damages caused by directors or executive officers through culpable acts, as well as defense costs, intended for company boards and executive management.
• Petrochemical Industry Insurance Integrated insurance package for the petrochemical industry covering risks in all activities: prospecting, production, refining, transport, storage, and distribution, intended for petrochemical sector operators.
• Electronic Equipment Insurance Electronic equipment insurance covering machinery, equipment, and installations above or below ground, intended for businesses with significant electronic equipment investments.
• CASCO Vehicle Insurance Vehicle insurance including CASCO EUROPA coverage for vehicle fleets, intended for both corporate fleet operators and individual vehicle owners.
• Voluntary Home Insurance (Asigurarea facultativa a locuintei) Optional home insurance for individuals covering residential property, intended for Romanian homeowners seeking comprehensive dwelling protection beyond mandatory coverage.
• Mandatory Home Insurance (PAD) Mandatory home insurance as required by Romanian law for residential properties, intended for individual homeowners to satisfy legal insurance requirements.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• MEDOCcoreStrategic or Co-development PartnerMEDOC provides access to the most extensive national network of healthcare service providers (over 700 providers) for Asito Kapital's ASITOMED health insurance product. Through this partnership, policyholders gain access to both state healthcare and private clinics nationwide.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• Groupama Asigurări: Major Romanian insurer offering property, CASCO, health, and liability products to both individuals and legal entities. Comparable to Asito Kapital across nearly all product lines, with a larger distribution network.
• Omniasig (Vienna Insurance Group): Top-5 Romanian insurer providing property, motor, liability, construction, and cargo insurance for corporate clients. Directly competes with Asito Kapital in commercial P&C and specialty lines like construction-montaj.
• Garanta Asigurări: Mid-sized Romanian insurance company offering P&C, motor, and corporate insurance. Comparable to Asito Kapital as a similarly-sized domestic carrier serving the legal entity segment.
• Allianz-Țiriac Asigurări: One of the largest general insurance carriers in Romania, offering P&C, motor, health, and corporate lines. Directly comparable to Asito Kapital's diversified commercial and personal insurance portfolio, but with significantly larger scale and brand recognition.
• Generali România Asigurare Reasigurare: Romanian subsidiary of Generali Group offering life, P&C, health, and corporate insurance. Comparable to Asito Kapital in commercial lines and health insurance offerings, with stronger international backing.
• ASIROM Vienna Insurance Group: Historic Romanian insurance company offering property, motor, liability, and health insurance. Directly comparable to Asito Kapital's diversified portfolio across legal entities and individuals.
• Uniqa Asigurări: Romanian insurer offering property, motor, health, and corporate insurance products. Comparable to Asito Kapital's P&C and health lines, with broader product distribution.
• Certasig Asigurare Reasigurare: Smaller Romanian insurance carrier offering commercial and personal lines. Closely comparable to Asito Kapital in scale and product breadth, both serving niche corporate segments.
• Euroins România Asigurare-Reasigurare: Romanian insurer offering motor, property, and corporate insurance products. Comparable to Asito Kapital in commercial P&C and individual lines; competes in the same Bucharest market segment.

Emerging players

• Signal Iduna Asigurări: Romanian health insurance specialist offering supplementary health products. Comparable to Asito Kapital's ASITOMED health offering, with focus on similar employer-sponsored group health benefits.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/asitokapital.ro
• LinkedInlinkedin.com/company/asitokapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

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 Asito Kapital