Euroherc Osiguranje dd

What Euroherc Osiguranje dd does

Euroherc osiguranje d.d. is a Croatian non-life (P&C) insurance company founded in 1991 and headquartered in Zagreb at Ulica grada Vukovara 282. The company operates as a privately-held joint-stock company (dioničko društvo) with a share capital of EUR 7,930,260 divided into 305,010 shares, and holds the #2 position in the Croatian insurance market with 34 years of operating history, 1,169 employees, and EUR 296.23 million in total revenue for 2025. It distributes products through 13 physical branch offices across Croatian cities plus a Vienna, Austria branch, complemented by a dedicated online sales portal (prodaja.euroherc.hr) for selected direct-to-consumer purchases.

The company offers a multi-line insurance platform spanning motor third-party liability (MTPL) and casco, property (the DOMOS package covering 10 common risks), personal accident, liability (including professional indemnity for 15+ professions), goods in transit, travel, and marine/yacht (Navigator). Core lines are augmented by modular add-on products — BONUS PROTECTION, AOexclusive, ANexclusive, AO PLUS, ZONA, ZONA Exclusive, and DOMOS Rent for vacation rental property owners — that attach to base policies and increase attach rates. The technology stack is commodity-grade: PHP-based web applications, Google Analytics, Google Tag Manager, and reCAPTCHA, with no proprietary platforms or AI/ML capabilities disclosed.

Revenue is generated through subscription/recurring insurance premiums collected annually or via up to 10 installments processed through partnerships with 8+ Croatian and Austrian banks (Agram banka, OTP, Zagrebačka banka, Raiffeisenbank, PBZ, Erste, Karlovačka banka, Addiko Bank). Customer segments are heavily retail-weighted — individual motor vehicle owners, homeowners, and travelers are primary — with secondary exposure to employers, professional service providers, and holiday rental property owners. International travel assistance is delivered through a strategic partnership with AXA Assistance Deutschland GmbH. The marketing function combines the corporate website (Croatian and English), social media presence (Facebook, YouTube), and the physical branch network as the primary customer-acquisition channels.

Name

Euroherc Osiguranje dd

Legal name

Euroherc osiguranje d.d.

Website

https://euroherc.hr

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Non-Life Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

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

akta.pro primary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Motor vehicle insurance
• Home property insurance
• Personal accident insurance
• Travel insurance
• Non-life insurance

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Primary revenue stream from collecting insurance premiums across multiple insurance categories including motor third-party liability, motor casco, property insurance, personal accident, travel insurance, and liability insurance. Premiums are typically collected annually or in installments (up to 10 installments).
2. DOMOS Rent - Holiday Rental Insurance: Specialized property and liability insurance product for holiday rental property owners, covering lost income, guest liability, property damage by guests, and guest accident coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Euroherc Osiguranje dd is a Croatian non-life insurance company that underwrites and distributes a broad portfolio of insurance policies, including Motor Third Party Liability (AO), Motor Casco (Kasko), home and property insurance under the DOMOS brand, personal accident, liability, goods in transit, travel, and yacht/marine insurance. It serves both individual consumers and corporate clients through its 13-branch network across Croatia and an office in Austria. Its offering is built around risk underwriting, claims processing, and customer service delivered through in-person branches, the corporate website, and partner banks that offer installment premium payments.

Product overview

Euroherc Osiguranje dd is a Croatian non-life insurance company offering a comprehensive portfolio of insurance products. The core product portfolio includes Motor Third Party Liability Insurance (Autoodgovornost) as the primary offering, complemented by Motor Casco Insurance (Autokasko), Property Insurance with the DOMOS package, Personal Accident Insurance (Osobe), Liability Insurance covering both general and professional indemnity lines, Goods in Transit Insurance (Transport), Travel Insurance (Putno), and Navigator Yacht/Motorboat Insurance. The company differentiates through add-on protection modules attached to motor insurance: BONUS PROTECTION safeguards no-claims bonuses, while AOexclusive, ANexclusive, and AO PLUS provide expanded driver and passenger coverage. The ZONA and ZONA EXCLUSIVE products combine roadside assistance with accident insurance. For vacation rental operators, DOMOS Rent extends property coverage with rental income protection and guest liability coverage. The product architecture operates as a platform of core insurance lines with modular add-ons that can be attached to the primary motor and property insurance products.

Differentiator

Problem solved

Functional benefit

Brands

• DOMOS: Innovative property insurance package for homes, apartments, and holiday homes covering 10 most common risks including fire, explosion, lightning, hail, flood, water damage, earthquake, burglary, robbery, and glass breakage.
• DOMOS Rent
• AOexclusive
• ANexclusive
• ZONA
• ZONA Exclusive
• AO PLUS
• Navigator

Products and services

• Motor Third Party Liability Insurance (AO)

Quantifiable outcome

• 630,269 MTPL policies in force (2025)
• +3 more outcomes

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• AXA Assistance Deutschland GmbHcoreTechnology or IntegrationStrategic partnership for travel health insurance services. AXA Assistance provides international assistance services covering medical treatment abroad, hospitalization support, medical transportation, and repatriation services for Euroherc's travel insurance policyholders.
• Agram banka d.d.minorOthersBanking partner for payment processing. Agram banka is Euroherc's bank (account number: 2481000-1100100492, IBAN: HR7524810001100100492) and enables installment payment options for insurance policies (up to 10 installments).
• OTP banka d.d.minorOthersBanking partner enabling installment payment options (up to 10 installments) for insurance policy purchases via credit/debit cards.
• Zagrebačka banka d.d.minorOthersBanking partner enabling installment payment options (up to 10 installments) for insurance policy purchases.
• Raiffeisenbank Austria d.d.minorOthersBanking partner enabling installment payment options (up to 10 installments) for insurance policy purchases.
• Privredna banka Zagreb d.d.minorOthersBanking partner enabling installment payment options (up to 10 installments) for insurance policy purchases.
• Erste & Steiermärkische Bank d.d.minorOthersBanking partner enabling installment payment options (up to 10 installments, specifically Erste Maestro Plus) for insurance policy purchases.
• Karlovačka banka d.d.minorOthersBanking partner enabling installment payment options (up to 10 installments) for insurance policy purchases.
• Addiko Bank d.d.minorOthersBanking partner enabling installment payment options (up to 10 installments) for insurance policy purchases.
• HAK (Croatian Auto Club)minorGTM or Marketing PartnerPartnership offering 15% discount on casco insurance premiums for HAK (Croatian Auto Club) members, providing cross-promotional benefit for mutual customers.
• Erste Card Club d.o.o.minorOthersCredit card processing partner enabling payment via Diners and other cards with installment options (up to 10 installments).

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• GRAWE Hrvatska d.d. Croatian subsidiary of Austrian insurer Grawe Group. Provides property, motor and life insurance with a similar branch-led distribution model and overlapping customer segments to Euroherc.
• UNIQA osiguranje d.d. Croatian subsidiary of Austrian insurer UNIQA (which absorbed Allianz Hrvatska). Sells motor, property, casualty and life insurance to Croatian consumers and businesses, competing directly with Euroherc across all major P&C lines.
• Triglav Osiguranje d.d. Croatian subsidiary of Slovenia-based Zavarovalnica Triglav, a leading CEE insurer. Offers motor, property, casualty and health cover with overlapping geographic presence in Croatia and similar product architecture.
• Generali osiguranje d.d. Croatian arm of global insurer Generali Group, offering motor, property, travel and life products. Comparable product mix and target customer base to Euroherc, with the backing of a larger international group.
• Adriatic osiguranje d.d. Croatian non-life insurer offering motor, property, travel and liability cover with a similar branch-based distribution model. Direct competitor to Euroherc in the Croatian MTPL and property insurance segments.
• Wiener osiguranje Vienna Insurance Group: Croatian subsidiary of Vienna Insurance Group (VIG), one of the largest insurance groups in CEE. Competes with Euroherc across motor, property and casualty lines, with stronger international reinsurance backing.
• Croatia Osiguranje d.d. Largest insurer in the Croatian market and Euroherc's most direct domestic competitor. Offers a comparable full portfolio of motor, property, life and non-life insurance across Croatia, competing head-to-head with Euroherc's MTPL, casco and property lines.

Broad incumbents

• Allianz SE: Global insurance and asset management giant whose Croatian subsidiary (now part of UNIQA) competed directly with Euroherc. Comparable in offering motor, property and travel insurance at scale, but operating broadly across many product lines and geographies beyond Croatia.
• AXA (AXA Assistance / AXA SA): Global insurer and Euroherc's strategic partner for travel assistance services. While AXA itself is a broad incumbent offering P&C, health and life insurance globally, the partnership relationship and overlapping travel-insurance product make it a relevant comparable for capability benchmarking.

Regional players

• Zavarovalnica Triglav d.d. Slovenian parent of Triglav Osiguranje's Croatian subsidiary. A leading CEE insurer with comparable multi-line P&C offering and similar size to Euroherc, but headquartered and primarily distributed in Slovenia rather than Croatia.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Euroherc Osiguranje dd