Name

GRAWE zavarovalnica d.d.

Legal name

GRAWE zavarovalnica d. d.

Website

https://grawe.si

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Multi-line Insurance Services

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life Insurance Carriers (524113)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

General Liability Insurance (FSAJAMAE)

akta.pro secondary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Motor vehicle insurance
• Property insurance products
• Life insurance coverage
• Accident insurance policies
• Commercial insurance solutions

Headquarters

HQ city

Maribor

HQ country

Slovenia

HQ region

Europe

Offices16 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - Motor/Auto Insurance: Recurring premium revenue from mandatory and optional motor vehicle insurance products including AO (mandatory liability), AO plus (driver coverage), passenger insurance, and comprehensive casco coverage. Premiums are calculated based on vehicle type, driver profile, and claims history.
2. Insurance Premiums - Property Insurance: Revenue from property insurance products covering homes (GRAWE DOM), businesses (GRAWE PODJETNIK), travel insurance (GRAWE TURIST), liability insurance, electronic equipment insurance, and agricultural insurance.
3. Insurance Premiums - Accident Insurance: Premiums from individual accident insurance (GRAWE NEZGODA), collective accident insurance for employers (GRAWE KOLEKTIVNA NEZGODA), and supplementary accident coverage.
4. Insurance Premiums - Life Insurance: Revenue from classical life insurance, investment life insurance products (#Green4U, #BestYears4U, #Invest4U), and supplementary life coverage including critical illness and pension products.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

GRAWE zavarovalnica d.d. is a multi-line insurance company selling motor, property, accident, and life insurance products to individuals and businesses in Slovenia. Core offerings include mandatory and comprehensive auto insurance, home and SME business insurance, travel, liability, agricultural, and electronic equipment insurance, individual and group accident cover, and both classical and investment-linked life insurance policies. The company distributes policies through 19 owned branch offices, an agent and broker network, online channels, and remote contract signing.

Product overview

GRAWE zavarovalnica d.d. is a multi-line insurance company offering automotive, property, accident, and life insurance products. The product portfolio includes core insurance products across four main categories: (1) Automotive insurance (GRAWE AVTO) with AO third-party liability, AO Plus driver coverage, passenger insurance, Kasko comprehensive coverage including GRAWE KASKO ELITE, and GRAWE MOBIL mobile assistance; (2) Property insurance (GRAWE DOM, GRAWE PODJETNIK for SMEs, GRAWE TURIST, GRAWE ODGOVORNOST, GRAWE ELEKTRONIKA, GRAWE KMETIJA for agriculture); (3) Accident insurance (GRAWE NEZGODA individual/child/family accident coverage, GRAWE KOLEKTIVNA NEZGODA for employees); (4) Life insurance with classic products (GRAWE Premium, GRAWE SENIOR, GRAWE ELITE 20 PLUS, GRAWE ŠČIT, GRAWE KREDIT, GRAWE POKOJNINA) and investment life insurance products (GRAWE #Green4U, GRAWE #BestYears4U, GRAWE #Invest4U). The company also provides digital services including online policy purchase with video identification and electronic signature for remote contract conclusion.

Differentiator

Problem solved

Functional benefit

Brands

• GRAWE AVTO: Automotive insurance products including compulsory liability, driver coverage, passenger protection, and comprehensive auto insurance.
• GRAWE DOM
• GRAWE PODJETNIK
• GRAWE TURIST
• GRAWE ODGOVORNOST
• GRAWE ELEKTRONIKA
• GRAWE KMETIJA
• GRAWE NEZGODA
• GRAWE KOLEKTIVNA NEZGODA
• GRAWE Premium
• GRAWE SENIOR
• GRAWE ELITE 20 PLUS
• GRAWE ŠČIT
• GRAWE KREDIT
• GRAWE POKOJNINA
• GRAWE #Green4U
• GRAWE #BestYears4U
• GRAWE #Invest4U
• GRAWE MOBIL
• GRAWE FOTO 360

Products and services

• GRAWE AVTO Comprehensive automotive insurance product for private individuals covering cars, motorcycles, caravans, motorhomes, small trucks, and tractors, bundling third-party liability, driver coverage, passenger protection, and comprehensive Kasko options under a single motor product line.
• Avtomobilska odgovornost (AO) Mandatory third-party liability insurance covering property damage and bodily injury or death of participants in traffic accidents, valid throughout Europe and required by Slovenian law for vehicle owners.
• Zavarovanje voznika (AO plus) Driver insurance covering bodily injuries sustained while operating the insured vehicle; sold only in combination with mandatory AO third-party liability insurance.
• GRAWE KASKO ELITE Premium comprehensive auto insurance product featuring a 0.5% deductible, no impact on bonus/malus, package discounts, and free green card for cross-border driving.
• GRAWE MOBIL 24-hour mobile assistance service available across Slovenia and Europe in multiple tiers (OSNOVNI, PLUS, SUPER, EKSKLUZIV, POSLOVNI) covering towing, replacement vehicle, repairs, hospitalization transport, and accommodation costs.
• GRAWE DOM Home insurance for private individuals covering real estate, residential equipment, movable property, and household appliances against fire, weather events, earthquakes, glass breakage, water damage, theft, and liability.
• GRAWE PODJETNIK Business insurance package for small and medium enterprises covering operational interruption, weather events, glass breakage, fire, water damage, avalanche, theft, and explosion risks.
• GRAWE TURIST Travel insurance covering medical treatment costs, trip cancellation, delayed arrival or departure, rescue and search costs, luggage loss, flight delay, and travel-related liability for individual travellers.
• GRAWE ODGOVORNOST Liability insurance protecting individuals and businesses against third-party compensation claims arising from business activities or private life, including professional liability for entrepreneurs, companies, associations, schools, and religious communities.
• GRAWE ELEKTRONIKA Insurance for electronic and electrical equipment in enterprises, covering six equipment groups including computers, communication devices, medical technology, and specialized equipment.
• GRAWE KMETIJA Agricultural insurance package covering farm buildings, livestock, crops, and agricultural machinery against fire, weather events, water damage, operational interruption, theft, and glass breakage.
• GRAWE NEZGODA Individual accident insurance providing comprehensive protection including permanent disability, accidental death, daily allowances, hospitalization benefits, accident annuity, and coverage for dislocations, burns, and fractures; available as individual, child, or family coverage.
• GRAWE KOLEKTIVNA NEZGODA Group accident insurance for enterprises covering permanent disability, accidental death, daily benefits, hospitalization, disease-related death, accident annuity, dislocation, burn, and fracture benefits; family members of employees can be included.
• GRAWE Premium Premium life insurance product offering comprehensive protection with flexible payment options (continuous or one-time premium) and financial security for the policyholder and family.
• GRAWE SENIOR Life insurance product designed for seniors, providing carefree retirement coverage and financial security for older policyholders.
• GRAWE #Green4U Sustainable investment-linked life insurance channeling premiums into companies meeting environmental, social, and governance (ESG) criteria through a three-phase investment model managed by SECURITY KAG.
• GRAWE #BestYears4U Investment-linked life insurance product designed for additional retirement savings with tax-free maturity and independent investment strategy selection through SECURITY KAG funds.
• GRAWE #Invest4U Investment-linked life insurance product with independent investment strategy selection, combining life insurance coverage with access to international investment funds managed by SECURITY KAG.

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

One partnership is on record.

• NK CeljemajorGTM or Marketing Partner · 6 October 2026GRAWE zavarovalnica signed a historic long-term partnership with NK Celje football club extending through 2031. This represents a significant sports sponsorship and marketing partnership for brand visibility in Slovenia.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Zavarovalnica Sava: Slovenian composite insurer offering non-life and life products to retail and SME customers. Direct competitor with overlapping branch-and-agent distribution and similar product breadth to GRAWE.
• UNIQA Insurance Group: Austrian-led CEE insurance group operating across multiple Central and Eastern European countries. Closely comparable to GRAWE in terms of regional footprint, multi-line product portfolio, and branch-led distribution.
• Zavarovalnica Triglav: Largest Slovenian insurance group offering motor, property, life, health, and pension products across Slovenia and the wider Adriatic region. Directly competes with GRAWE zavarovalnica in every product line within the same domestic market.
• Adriatic Slovenica (AdriaticSlovenica Zavarovalna družba): Slovenian non-life insurer with broad motor, property, and accident coverage targeting retail and SME segments. Directly comparable in product mix and go-to-market model to GRAWE.
• ERGO Insurance Group (ERGO CEE): Munich Re-owned insurance group with significant CEE footprint in life and non-life lines. Comparable multi-line, multi-country operating model with similar distribution mix.

Broad incumbents

• Wiener Städtische Versicherung (Vienna Insurance Group): Austrian insurance carrier and fellow CEE player under Vienna Insurance Group, with similar multi-country, multi-line strategy. GRAWE Group is an Austrian peer of comparable heritage and regional positioning.
• Generali zavarovalnica (Generali Slovenia): Slovenian subsidiary of global insurer Generali Group, offering motor, property, and life insurance. Larger, broader-portfolio incumbent that competes head-to-head with GRAWE in the Slovenian market.
• Allianz Slovenia (Allianz HZB): Slovenian arm of Allianz, providing multi-line insurance including motor, property, and life. Larger global parent offers comparable product suite to GRAWE with greater capital base.

Emerging players

• Vzajemna zdravstvena zavarovalnica: Slovenian mutual health insurer specializing in supplementary health and accident coverage. Comparable to GRAWE's accident and group accident products within the same Slovenian market.
• NLB Vita (life insurance): Slovenian life insurer with bank-assurance distribution through NLB. Comparable to GRAWE's life and investment-linked products, with a focused life-only positioning within the same geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/grawe.si
• Instagraminstagram.com/grawe_zavarovalnica
• LinkedInlinkedin.com/company/grawe-zavarovalnica-d.d.

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 GRAWE zavarovalnica d.d.