SIPOS

What SIPOS does

SIPOS (Sipos posredovanje zavarovanj d.o.o.) is an independent insurance brokerage headquartered in Škofja Loka, Slovenia, operating under a license (No. 30220-229/06-4) issued by the Slovenian Insurance Supervision Agency in 2006. The firm intermediates commercial insurance placements for clients across nine verticals — industry and manufacturing, trade, hospitality, construction, IT, public administration, healthcare, professional services, and transport — rather than acting as a captive agent for any single carrier. Each of its eight brokers holds an individual insurance brokerage license, and the team is described as carrying more than 25 years of combined brokerage and carrier-side experience (drawn from prior roles at Triglav, Adriatic, Maribor, Tilia, and others).

The business model is commission-based: the broker's fee is embedded in the insurance premium paid by the client, with no separate honorarium charged to the insured. Revenue therefore tracks the gross written premium of placed policies, modulated by carrier-mandated commission rates. Go-to-market is relationship-driven, combining direct outreach and professional referrals; the company's website functions as an informational portal rather than a transactional platform. As an independent intermediary, SIPOS holds working relationships with essentially the full set of major insurers operating in Slovenia (Allianz, Triglav, Generali, Grawe, Adriatic Slovenica, Ergo, Vzajemna, Tilia, Sava, KD Group, Merkur, Nova KBM), enabling neutral placement of risk across carriers.

The legal entity is a private limited liability company (d.o.o.) — family-owned with no institutional investors and no public listing. In July 2025, the firm executed its first formal leadership succession: Damir Pelak was appointed General Director, replacing founder Jure Mravlja, who transitioned to an advisory role; Miha Javornik was concurrently appointed Deputy Director. Operations remain entirely domestic (Slovenia only), and there is no indication of cross-border expansion, product diversification into adjacent financial services, or any technology/AI-driven product layer.

Name

SIPOS

Legal name

SiPOS posredovanje zavarovanj d.o.o.

Website

https://sipos.si

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

SIPOS is an independent Slovenian insurance brokerage founded in 2006 in Škofja Loka, intermediating commercial insurance placements across nine verticals (industry, trade, hospitality, construction, IT, public administration, healthcare, professional services, transport) on a commission basis with all major Slovenian carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Skofja Loka

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commission: SIPOS operates on a commission basis included in the insurance premium. The company does not charge clients directly (no honorarium from the insured). Commission is paid by the insurance companies as part of the insurance premium structure.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

SIPOS is an independent insurance brokerage firm that performs risk assessment and designs tailored commercial insurance programs for businesses and institutions across Slovenia. The company compares offers from multiple licensed insurers, advises clients on optimal coverage, and provides full support in claims settlement and compensation recovery. Services span industry-specific risk advisory across manufacturing, trade, hospitality, construction, IT, public administration, healthcare, professional services, and transport sectors.

Product overview

SIPOS (Sipos posredovanje zavarovanj d.o.o.) is an independent insurance brokerage company providing advisory and intermediation services for property and liability insurance. The company operates as a single unified service offering rather than a modular platform, specializing in risk assessment, insurance program design tailored to specific industries, and claims settlement support. Their services cover multiple sectors including industry, commerce, hospitality/tourism, construction, IT/cybersecurity, public administration, healthcare, legal/financial services, and transport.

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance Intermediation Services (Zavarovalno posredovanje)

Quantifiable outcome

• We already care for multiple hospitals and outpatient healthcare institutions
• +1 more outcomes

Segments9 records

Ideal customer profiles8 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core.

• Allianz SlovenijacoreChannel Partner/ Reseller/ DistributorAllianz Slovenija, zavarovalna podružnica, Dunajska cesta 156, 1000 Ljubljana. SIPOS has a brokerage agreement with Allianz and offers their insurance products to clients. Allianz is a major international insurer operating in Slovenia.
• Arag SE – Zavarovalnica pravne zaščitecoreChannel Partner/ Reseller/ DistributorArag SE Zavarovalnica pravne zaščite, podružnica v Sloveniji, Dunajska cesta 63, 1000 Ljubljana. SIPOS offers Arag's legal protection insurance products through their brokerage services.
• Generali zavarovalnica d.d.coreChannel Partner/ Reseller/ DistributorGenerali zavarovalnica d.d. Ljubljana, Kržičeva ulica 3, 1000 Ljubljana. One of Slovenia's major insurance providers with a comprehensive product portfolio available through SIPOS brokerage.
• Grawe zavarovalnica d.d.coreChannel Partner/ Reseller/ DistributorGrawe zavarovalnica d.d., Gregorčičeva ulica 39, 2000 Maribor. Austrian-owned insurer offering life and non-life products through SIPOS distribution.
• Groupama Biztosító Zrt.coreChannel Partner/ Reseller/ DistributorGroupama Biztosító Zrt. Zavarovalnica, Podružnica, Dunajska cesta 128A, 1000 Ljubljana. French-Hungarian insurance group with presence in Slovenia available through SIPOS.
• Merkur zavarovalnica d.d.coreChannel Partner/ Reseller/ DistributorMerkur zavarovalnica d.d., Dunajska cesta 58, 1000 Ljubljana. Slovenian insurer offering various property and casualty products.
• Prva osebna zavarovalnica d.d.coreChannel Partner/ Reseller/ DistributorPrva osebna zavarovalnica d.d., Fajfarjeva ulica 33, 1000 Ljubljana. Life insurance specialist available through SIPOS brokerage.
• COFACE SloveniacoreChannel Partner/ Reseller/ DistributorCompagnie française d'assurance pour le commerce extérieur SA Francija, COFACE zavarovalnica, podružnica v Sloveniji, Trdinova ulica 4, 1000 Ljubljana. French credit insurance specialist offering trade credit and export insurance.
• Vzajemna zdravstvena zavarovalnica d.d.coreChannel Partner/ Reseller/ DistributorVzajemna zdravstvena zavarovalnica d.d., Vošnjakova ulica 2, 1000 Ljubljana. Slovenian health insurance provider offering health coverage solutions.
• Zavarovalnica Sava d.d.coreChannel Partner/ Reseller/ DistributorZavarovalnica Sava d.d., Ulica Eve Lovše 7, 2000 Maribor. Major Slovenian insurance company with comprehensive product range.
• Zavarovalnica Triglav d.d.coreChannel Partner/ Reseller/ DistributorZavarovalnica Triglav d.d., Miklošičeva cesta 19, 1000 Ljubljana. Slovenia's largest and leading insurance company, part of the Triglav Group.
• Wiener Städtische Versicherung AGcoreChannel Partner/ Reseller/ DistributorWiener Städtische Versicherung AG Vienna Insurance Group, Wiener Städtische zavarovalnica, podružnica v Ljubljani, Cesta Kleče 15, 1000 Ljubljana. Austrian insurer operating in Slovenia through Vienna Insurance Group.

Scale indicators2 records

Recent moves5 records

Expansion highlights2 records

Direct peers

• GrECo International: Austrian-headquartered independent insurance broker with Central European presence. Damir Pelak (new SIPOS CEO) was previously General Director of GrECo Slovenia, making it the closest comparable in business model and target market.
• Aon Slovenia: Global insurance and reinsurance broker with Slovenian operations serving corporate clients. Direct competitor in the same independent brokerage category, competing for risk-management mandates across industries.
• Marsh Slovenia (Marsh Europe SA): Global insurance broker with direct Slovenia operations and corporate client focus. Miha Javornik joined SIPOS from Marsh, indicating direct head-to-head competition for mid-market and corporate Slovenian accounts across similar verticals.

Broad incumbents

• Zavarovalnica Triglav d.d. Slovenia's largest insurance carrier and a core distribution partner of SIPOS. While not a broker itself, Triglav's tied-agent network and direct corporate sales compete directly for SIPOS's target SME and mid-market clients.
• Willis Towers Watson (WTW): Global insurance brokerage with broad European footprint including Central Europe. Competes with SIPOS for larger Slovenian corporate accounts while offering a much wider portfolio of risk and advisory services.
• Adriatic Slovenica d.d. Slovenian insurance carrier with broad commercial and personal lines; one of the firms in SIPOS broker Marko Smrtnik's prior background. Competes in the same Slovenian commercial insurance market via tied and direct channels.
• Allianz Slovenija: Branch of Allianz, a global insurer, and a listed carrier partner of SIPOS. Competes for Slovenian SME and corporate accounts through its own tied agents while also relying on independent brokers like SIPOS for distribution.
• Zavarovalnica Sava d.d. Major Slovenian P&C and life insurer and one of SIPOS's listed carrier partners. Its direct and tied distribution competes with independent brokers for the same Slovenian commercial accounts.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sipos-d-o-o

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 SIPOS