Wiener Städtische Zavarovalnica, podružnica v Ljubljani

What Wiener Städtische Zavarovalnica, podružnica v Ljubljani does

Wiener Städtische Zavarovalnica, podružnica v Ljubljani is the Slovenian branch (podružnica) of Wiener Städtische Versicherung AG, which is part of Vienna Insurance Group (VIG), a leading insurance group in Central and Eastern Europe publicly listed on the Vienna Stock Exchange. The branch operates from a single office at Cesta v Kleče 15, Ljubljana, with a headcount of 8 employees, and serves individual, SME, and large industrial customers across Slovenia. Its portfolio spans three core lines for individuals — life insurance (including classic death/survival cover, annuities, functional disability via Multi Protect, and unit-linked products UFOS Premium and Hybrid Invest), property insurance (residential buildings, household contents, and assistance add-ons), and accident insurance (TOP) — plus Business Class package cover for SMEs under EUR 20M revenue, tailored solutions for larger industrial enterprises, and a niche professional liability product for lawyers.

The branch runs a multi-channel distribution model: direct sales at the Ljubljana office with phone and free-hotline support, a network of insurance agents and brokers operating across Slovenia, and an online self-service platform at apps.wienerstaedtische.si offering premium calculators, a pension gap calculator, investor profile questionnaires, and policy/claims workflow. Underwriting, claims, and IT infrastructure are largely centralized at the VIG group level, with twinformatics GmbH (a 100% VIG-owned subsidiary holding ISO 27001:2013 certification) providing software development and operations from Austrian data centers, and EXPERTA Schadensregulierungs-GmbH handling vehicle damage assessment. The business monetizes via recurring subscription-style insurance premiums across all major lines.

Revenue mechanics are premium-driven across life, property, accident, and commercial lines; no premium or GWP figures are disclosed for the branch. The branch complies with GDPR, Slovenian accessibility law (ZDPSI), and WCAG 2.1 for its web applications, and participates in the Slovensko zavarovalno združenje (SZZ) mediation scheme for out-of-court consumer dispute resolution. Marketing emphasizes sustainability (paperless billing via SEPA direct debit, e-invoices, PDF statements) and brand heritage as part of Vienna Insurance Group.

Name

Wiener Städtische Zavarovalnica, podružnica v Ljubljani

Legal name

Wiener Städtische Zavarovalnica, podružnica v Ljubljani

Website

https://wienerstaedtische.si

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Wiener Städtische Zavarovalnica is the Slovenian branch of Vienna Insurance Group's Wiener Städtische Versicherung AG, offering life, property, accident, and commercial insurance to individuals, SMEs, and large industrial clients in Slovenia through direct, broker, and digital channels.

Ownership category

akta.pro rank

Product category

Life and Non-Life Insurance

NAICS

Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114), Direct Property and Casualty Insurance Carriers (524126)

SIC

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

akta.pro industry

PRIMARYFSAIABAD

Variable Universal Life (VUL) Insurance

Financial & Insurance/Insurance — Life & Health/Whole & Universal Life Insurance

SECONDARYFSAIABAI

Participating (Dividend) Whole Life Insurance

Financial & Insurance/Insurance — Life & Health/Whole & Universal Life Insurance

SECONDARYFSAIALAC

Individual AD&D Insurance (Direct-to-Consumer)

Financial & Insurance/Insurance — Life & Health/Accidental Death & Dismemberment (AD&D) Insurance

SECONDARYFSAJAJAD

Personal Accident Insurance (Injury, Disability & Income Benefit)

Financial & Insurance/Insurance — Motor, Property & Casualty/Travel & Accident (Non-Life) Insurance

Keywords

• Life insurance
• Property insurance
• Accident insurance
• Unit-linked insurance
• Business insurance

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

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, Others

Revenue model

1. Life Insurance Premiums: Recurring premium payments from life insurance products including life insurance for death and survival, pure death insurance, annuity insurance, Multi Protect, UFOS Premium (unit-linked life insurance), and Hybrid Invest products combining unit-linked and classical life insurance.
2. Property Insurance Premiums: Recurring premium payments from property insurance products covering residential real estate and household equipment.
3. Accident Insurance Premiums: Recurring premium payments from accident insurance products (TOP accident insurance) for individuals and families.
4. Business Insurance Premiums: Premium payments from business insurance products for small/medium enterprises (Business Class) and large industrial companies, including professional liability insurance for lawyers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Wiener Städtische Zavarovalnica, podružnica v Ljubljani is the Slovenian insurance branch of Vienna Insurance Group, providing life insurance (including unit-linked products UFOS Premium and Hybrid Invest, annuity insurance, Multi Protect functional disability coverage, and traditional death/survival coverage), property insurance (residential buildings and household contents), accident insurance, and business insurance (Business Class package insurance for SMEs, large industrial company coverage, and professional liability insurance for lawyers). The branch sells and services policies through direct sales, agents/brokers, and online self-service platforms for the Slovenian market.

Product overview

Wiener Städtische Zavarovalnica, podružnica v Ljubljani is a Slovenian insurance company and part of Vienna Insurance Group, offering a comprehensive portfolio of insurance products and financial services. The core offering consists of three main categories: (1) Life insurance products including traditional death/survival coverage, annuity plans, functional disability protection (Multi Protect), and unit-linked products (UFOS Premium, Hybrid Invest) that combine fund investments with life insurance; (2) Property insurance covering residential buildings and household contents plus assistance services; (3) Accident insurance. For business clients, the company provides SME package insurance (Business Class), large industrial company coverage, and professional liability insurance for lawyers. The company also offers online tools for insurance calculations and investment fund selection, integrated with banking payment systems for premium collection and invoicing.

Differentiator

Problem solved

Functional benefit

Brands

• UFOS Premium: Life insurance combined with unit-linked fund investments and secure investment in classical life insurance.
• Hybrid Invest
• Multi Protect
• Business Class

Products and services

• Življenjsko zavarovanje za primer smrti in doživetja

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Vienna Insurance Group (VIG)coreStrategic or Co-development PartnerVienna Insurance Group is the parent company and main shareholder of Wiener Städtische Versicherung AG. VIG is a leading Austrian insurance group operating in Central and Eastern Europe. Wiener Städtische zavarovalnica, podružnica v Ljubljani is the Slovenian branch of this group.
• twinformatics GmbHcoreTechnology or IntegrationIT services provider owned 100% by Vienna Insurance Group. Responsible for software development, operation and maintenance of information systems. Holds ISO 27001:2013 certification ensuring highest security and data protection standards. All data centers are located in Austria.
• Slovensko zavarovalno združenje (SZZ) - Insurance Association of SloveniaminorOthersMediation center for out-of-court dispute resolution between insurance service providers and consumers. Handles escalations when customers are not satisfied with Wiener Städtische's internal complaints procedure or when the company does not decide on a complaint within 30 days.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Zavarovalnica Triglav: Slovenia's largest insurer, offering life, non-life, health, and asset-management products across individuals and businesses. It is the closest direct competitor to the branch in the Slovenian market across life, property, accident, and SME lines.
• Adriatic Slovenica: Slovenian composite insurer focused on personal and commercial lines. It competes head-to-head with the branch in life, property, and accident insurance for individuals and SMEs in Slovenia.
• Vzajemna zdravstvena zavarovalnica: Slovenia's leading health-insurance mutual, providing complementary health cover to individuals. It is a direct peer for the branch's personal accident and individual protection lines within Slovenia.
• Allianz Slovenija: Slovenian subsidiary of Allianz Group offering personal and commercial insurance products. Directly comparable as a foreign-group multi-line insurer competing in Slovenia against the branch and other international entrants.
• Wiener Städtische Versicherung AG: Headline Austrian entity of the same Wiener Städtische brand under VIG, offering parallel life, unit-linked, and P&C products. Most comparable peer given shared product portfolio, unit-linked franchise (UFOS-style), and group-level operating model.
• Generali zavarovalnica d.d. Slovenian subsidiary of Assicurazioni Generali, offering life and non-life products to individuals and companies. Directly comparable as a foreign-group branch offering multi-line insurance in the same Slovenian market.

Broad incumbents

• UNIQA Insurance Group: Austrian-listed insurer with a strong CEE footprint offering life, health, and P&C across Central and Eastern Europe. Comparable as a regional multi-line incumbent competing with VIG and its subsidiaries across the same corridor.
• Vienna Insurance Group (VIG): Parent group that owns the branch and operates insurers across ~30 CEE countries. It is the broad incumbent providing capital, IT (via twinformatics), claims (via EXPERTA), and product architecture to the branch.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/wiener-st%C3%A4dtische-zavarovalnica-podru%C5%BEnica-v-ljubljani

Compliance3 records

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 Wiener Städtische Zavarovalnica, podružnica v Ljubljani