Generali Osiguranje D.d.

What Generali Osiguranje D.d. does

Generali Osiguranje d.d. is the Croatian operating subsidiary of Assicurazioni Generali S.p.A., one of the world's largest insurance and financial services groups founded in 1831 in Trieste, Italy. The Croatian entity, established in the early 1990s and operating under the d.d. (joint-stock) legal form, provides a full-spectrum insurance portfolio covering life, health, motor (mandatory third-party liability and kasko), property, travel, marine, transport, accident, and liability insurance. It serves individuals, small and medium enterprises, and corporate clients through 79 branch offices and 650+ employees across Croatia, supported by insurance agents, bancassurance partnerships, and digital channels.

The product portfolio is organized into personal lines (vehicle, life, health, property under the MOJ DOM brand, travel, accident, marine) and commercial lines (fleet, group life, professional liability, industrial, cargo). Life insurance offerings include traditional and unit-linked products such as VITA, VIZIJA, Vizija Plus, SIGURNE GODINE, ZIHERICA, STRATEGO, and Stratego Plus. The company's technology infrastructure is described as standard insurance industry systems for policy administration, claims processing, and customer management, with no proprietary technology platforms disclosed. Digital capabilities include online auto insurance purchase through auto.generali.hr, e-documentation, and KEKS Pay payment integration. The company does not disclose any AI/ML capabilities, research, or proprietary technology platforms.

Revenue is generated primarily through recurring insurance premiums, segmented into non-life (vehicle, property, travel, accident, marine, transport, supplementary health) and life insurance streams. Distribution combines direct sales via the branch network and online platform with channel partnerships including bancassurance through Privredna banka Zagreb (PBZ) and an exclusive vehicle insurance arrangement with Toyota Croatia. The Croatian entity has expanded through portfolio acquisitions, including the 2019-2020 absorption of Izvor osiguranje d.d. and the Generali Zavarovalnica Zagreb branch (formerly Adriatic Slovenica). It operates under the European insurance regulatory framework as part of Generali CEE Holding, governed centrally under Generali Group's 'Lifetime Partner 27: Driving Excellence' strategic plan announced in January 2025.

Name

Generali Osiguranje D.d.

Legal name

Generali osiguranje d.d.

Website

https://generali.hr

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Croatian insurance subsidiary of Generali Group offering life, motor, property, health, travel, marine, and liability insurance products to individuals, SMEs, and corporates through 79 branches, bancassurance, and digital channels.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Travel & Accident (Non-Life) Insurance (FSAJAMAN), General Liability Insurance (FSAJAMAE), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

Keywords

• Motor insurance
• Life insurance
• Property insurance
• Travel insurance
• Health insurance

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-life Insurance (Neživotna osiguranja): Premiums from vehicle insurance (AO, Kasko), property insurance, travel insurance, accident insurance, marine/boat insurance, transport insurance, and supplementary health insurance. This is a primary revenue stream.
2. Life Insurance (Životna osiguranja): Premiums from life insurance products including life kasko, VITA, VIZIJA, Vizija Plus, Sigurne godine, Ziherica, StrateGo, and unit-linked products.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Generali Osiguranje D.d. sells a multi-line insurance portfolio covering motor (mandatory auto liability AO, full and partial Kasko, AO Plus and Auto Bonus Protektor, Autoasistencija roadside help, CARE / CARE+ / Super CARE packages), life (Životni kasko, VITA, VIZIJA, Vizija Plus, SIGURNE GODINE, ZIHERICA, STRATEGO unit-linked), supplementary health, property/home (MOJ DOM, earthquake, residential building), travel (Horizont, Pahuljica), personal/family/athlete accident, marine, cargo, industrial, SME, professional liability, and group/executive insurance, distributed through a 79-branch network, agents, bancassurance with PBZ, Toyota dealership partnership, and the auto.generali.hr digital platform.

Product overview

Generali Osiguranje D.d. operates as a Croatian insurance company offering a comprehensive portfolio of insurance products and services through its parent company Assicurazioni Generali S.p.A. The product portfolio is organized into personal insurance (for individuals) and business insurance (for legal entities). Personal insurance includes motor vehicle coverage with mandatory third-party liability (AO), full and partial kasko coverage, driver assistance packages, and supplementary packages (CARE, CARE+, Super CARE); life insurance products including life kasko, VITA/VIZA endowment policies, investment-linked STRATEGO products, and traditional savings products; supplementary health insurance; property insurance under the MOJ DOM brand covering homes and household contents; travel insurance (Horizont, Pahuljica); personal accident insurance for individuals and athletes; and marine insurance for boats, yachts, and ships. Business insurance includes motor fleet coverage, group life and accident insurance, professional liability coverage, industrial and SME insurance, and transport/cargo insurance. The company also operates SME EnterPRIZE, a sustainability competition initiative, and participates in The Human Safety Net CSR program. Globally, Generali operates the Redion platform (launched May 2026) combining Europ Assistance and Generali Employee Benefits for employee benefits and assistance services.

Differentiator

Problem solved

Functional benefit

Brands

• Generali PRO: Professional insurance products and services for business clients.
• The Human Safety Net

Products and services

• Mandatory Auto Liability Insurance (Obvezno osiguranje od automobilske odgovornosti, AO) Statutorily required third-party liability cover for motor vehicles in Croatia, paying damages to third parties injured by the insured vehicle. Sold to individual vehicle owners and to legal entities operating vehicle fleets.
• Vehicle Kasko Insurance (Kasko osiguranje vozila) Comprehensive cover for damage to the insured vehicle from accidents, theft, hail, and other covered perils, available as full or partial Kasko. Sold to individual vehicle owners and corporate fleet operators.
• AO Plus and Auto Bonus Protektor packages (AO Paketi) Bundled supplementary cover including AO Plus for driver accident protection and Auto Bonus Protektor for protection of the earned no-claims bonus after an accident. Sold as an extension to the mandatory AO policy.
• Autoasistencija Roadside Assistance 24/7 roadside assistance providing towing, replacement vehicle, and emergency help in case of breakdown, accident, or vehicle emergency. Available to individual motorists and corporate fleets.
• CARE / CARE+ HR / CARE+ EUROPA / Super CARE HR / Super CARE EUROPA packages Tiered combined packages for motorists bundling roadside assistance, no-claims bonus protection, and accident cover for drivers and passengers across Croatia-only and Europe-wide scopes. Sold to individual vehicle owners.
• Life Kasko (Životni kasko) Life cover providing financial security to the family in case of death, with supplementary accident cover, disability benefits, and child education funds. Sold to individuals and as group cover to employers.
• VITA Mixed Endowment Life Insurance Endowment-style life policy combining savings with flexible protection cover for various life stages. Sold to individual policyholders and to legal entities for employee benefits.
• VIZIJA / Vizija Plus Flexible Life Insurance Mixed endowment policies with savings components and flexible protection options for various life stages. Sold to individual policyholders seeking savings-linked life cover.
• SIGURNE GODINE / ZIHERICA Traditional Life Insurance Traditional life policies with guaranteed savings and protection features for different age groups and financial planning needs. Sold to individual policyholders seeking predictable savings returns.
• STRATEGO / Stratego Plus Investment-Linked Life Insurance Investment-linked life policies combining protection cover with investment exposure through unit-linked funds. Sold to individual policyholders seeking market-linked returns alongside life cover.
• Supplementary Health Insurance (Dopunsko zdravstveno osiguranje) Voluntary supplementary health cover paying co-payments, hospital costs, medical examinations, and other healthcare expenses not covered by Croatia's national health system. Sold to individual policyholders.
• MOJ DOM Home and Household Contents Insurance Cover for residential property and household contents against fire, theft, natural disasters, water damage, and other covered perils. Sold to homeowners and owners of tourist apartments.
• Earthquake Risk Insurance (Osiguranje od rizika potresa) Property cover protecting owners against seismic damage and related losses for residential and commercial buildings. Sold to homeowners, residential building owners, and businesses.
• Residential Building Insurance (Osiguranje stambenih zgrada) Cover for residential apartment buildings including common areas and structural elements against fire, natural disasters, water damage, and other perils. Sold to building owners, homeowner associations, and property managers.
• Horizont Travel Insurance Travel insurance covering medical expenses, trip cancellation, baggage loss, and travel assistance for domestic and international trips. Sold to individual travelers and corporate travel programs.
• Pahuljica Travel Insurance Travel insurance covering medical expenses, trip cancellation, baggage loss, and travel assistance services for domestic and international travel, marketed as a separate Pahuljica package. Sold to individual travelers.
• Personal, Family and Paket 500 razloga Accident Insurance Personal accident cover for individuals and families providing payout in case of death, permanent disability, or injury from accidents, with the Paket 500 razloga bundled offering. Sold to individuals and families.
• Athletes Accident Insurance (Osiguranje sportaša) Specialized accident cover designed for athletes and sports professionals covering sports-related injuries and related risks. Sold to individual athletes, sports clubs, and federations including the Croatian Ski Federation.
• Marine Insurance (Pomorska osiguranja) Marine cover including mandatory boat/yacht liability, hull insurance for boats/yachts and ships, skipper liability, ships under construction, marina owner liability, and vessel-repairer liability. Sold to private boat owners, charter operators, marinas, and commercial shipping clients.
• Cargo and Carrier Liability Insurance (Osiguranje robe u prijevozu) Cargo insurance covering goods during road and other transport against loss, damage, and transit-related risks, plus carrier liability for damage to consignments in road transport. Sold to shippers, freight forwarders, and transport operators.
• Industrial Insurance (Osiguranje industrije) Industrial cover for commercial enterprises protecting business property, equipment, machinery, and operational risks. Sold to medium and large industrial companies.
• SME Insurance (Osiguranje malog i srednjeg poduzetništva) Insurance package specifically designed for small and medium enterprises covering business property, liability, employee benefits, and operational needs. Sold to Croatian SMEs.
• Professional Liability Insurance (Osiguranja profesionalnih odgovornosti) Professional indemnity cover protecting businesses and professionals against claims arising from negligence, errors, or omissions in their professional services. Sold to professional service firms, healthcare providers, and other qualified professionals.
• Collective Accident Insurance (Kolektivno osiguranje) Group accident cover providing protection to employees against death, disability, and injury arising from accidents. Sold to employers as part of employee benefit packages.
• Executive Insurance (Osiguranje managera) Specialized insurance for executives and management covering life, accident, and liability needs of senior corporate officers. Sold to corporates as part of executive benefit programs.
• Generali PRO Professional Insurance Brand Professional insurance brand under Generali Osiguranje offering specialized coverage and service packages for business clients and professionals. Sold to professional service firms and corporate clients.
• Corporate VITA and Životni Kasko Life Insurance (for legal entities) Corporate life insurance products for employers to provide VITA endowment cover and Životni kasko group life cover to employees as part of benefit packages. Sold to legal entities.
• Corporate Motor Fleet Insurance (AO, AO Plus, Kasko, Partial Kasko, Accident, Autoasistencija) Motor insurance bundle for company fleets covering mandatory AO, AO Plus, full and partial Kasko, accident cover, and roadside assistance. Sold to legal entities operating vehicle fleets.
• Corporate General Liability Insurance (Osiguranje opće odgovornosti) General third-party liability insurance for legal entities covering claims arising from business operations. Sold to corporations and institutions.
• Credit Repayment Insurance (Osiguranje otplate kredita) Insurance covering loan repayment in case of death, disability, or involuntary job loss, typically distributed alongside consumer and SME credit. Sold to individual borrowers and SMEs through banking partners.

Quantifiable outcome

• Generali Group operational result reached €8,004M (+9.7%) in FY 2025
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

14 partnerships are on record, tiered flagship, core and minor.

• SDA Bocconi School of ManagementflagshipStrategic or Co-development Partner · 26 June 2025Academic partnership for SME EnterPRIZE White Book research on sustainability of European SMEs. SDA Bocconi conducts research and publishes annual reports analyzing sustainability trends and challenges among small and medium enterprises.
• Privredna banka Zagreb (PBZ)flagshipGTM or Marketing Partner · 27 November 2024Partnership in SME EnterPRIZE sustainability awards initiative. PBZ serves as banking partner for the competition and supports the initiative financially and promotionally. Collaboration in organizing annual awards ceremony and selection of winners.
• Udruga Glas poduzetnikacoreGTM or Marketing Partner · 27 November 2024Association of entrepreneurs partnering in SME EnterPRIZE initiative to promote sustainable business practices among small and medium enterprises in Croatia.
• Hrvatski poslovni savjet za održivi razvojcoreGTM or Marketing Partner · 27 November 2024Croatian Business Council for Sustainable Development partnering in SME EnterPRIZE to support sustainability transformation of SMEs.
• Talijansko-hrvatska gospodarska komoracoreGTM or Marketing Partner · 27 November 2024Italian-Croatian Chamber of Commerce partnering in SME EnterPRIZE initiative to promote cross-border business sustainability.
• Women in AdriaminorGTM or Marketing Partner · 27 November 2024Women's business network partnering in SME EnterPRIZE to support female entrepreneurship and gender equality in sustainability.
• Udruga PromentzminorGTM or Marketing Partner · 15 October 2020Partnership on 'Psihološka pomoć' (Psychological Help) platform providing information about psychological support services at national level.
• NationwideminorStrategic or Co-development Partner · 3 March 2020Joint venture N2G Worldwide Insurance Services combining resources of both insurers to create global solutions for domestic and international clients.
• Centar Rastimo zajednoflagshipStrategic or Co-development Partner · 3 December 2019Parent Support Center partnership for The Human Safety Net initiative in Croatia. Since 2019, Generali has collaborated with the center to support parents and children facing difficult life circumstances. The partnership includes financial contributions and employee volunteering, with over 17,000 parents and children reached.
• Hrvatski skijaški savezcoreGTM or Marketing Partner · 5 November 2018Sponsorship of Croatian Ski Federation and national ski team athletes. Generali provides financial support and insurance coverage for athletes including Leona Popović, Filip Zubčić, and others.
• PBZ LeasingminorGTM or Marketing Partner · 13 July 2015Joint offerings for vehicle leasing customers including special insurance conditions, discounts on leasing fees and interest rates.
• Toyota CroatiacoreChannel Partner/ Reseller/ Distributor · 6 July 2015Strategic partnership for car insurance distribution. Toyota Croatia and Generali signed agreement for exclusive insurance offerings for Toyota vehicle buyers through unique market terms.
• Sberbank EuropeminorChannel Partner/ Reseller/ Distributor · 29 October 2013Bancassurance partnership in Central and Eastern European markets through Generali PPF Holding for insurance distribution via bank channels.
• Hrvatski nogometni savez (HNS)coreGTM or Marketing Partner · 1 March 2012Major sponsorship of Croatian Football Federation and national team. Partnership includes insurance coverage and financial support for football activities.

Scale indicators7 records

Recent moves11 records

Expansion highlights5 records

Broad incumbents

• Assicurazioni Generali S.p.A. Italian parent company of Generali Osiguranje and one of the world's largest insurance groups. Included as a broad incumbent to provide context on group-level strategy, capital backing, and platform-level capabilities available to the Croatian subsidiary.
• Allianz SE: Global insurance and asset management group operating in Croatia through Allianz Hrvatska. Broad incumbent providing context on group-level scale, capital strength, and product breadth that supports the Croatian subsidiary.
• Vienna Insurance Group AG: Austrian-headquartered insurance group operating across CEE including through Wiener Osiguranje in Croatia. Broad incumbent with similar regional footprint, multi-line portfolio, and bancassurance-driven model.

Direct peers

• Triglav Osiguranje d.d. Slovenian insurance group with Croatian operations offering motor, property, life, and health insurance. Comparable multi-line carrier with cross-border CEE presence and similar bancassurance-led distribution.
• UNIQA osiguranje d.d. Austrian-headquartered multi-line insurer operating in Croatia through both individuals and corporate clients. Comparable product mix including motor, property, life, and health insurance with overlapping distribution channels.
• Allianz Hrvatska d.d. Croatian subsidiary of Allianz Group offering personal and commercial insurance products. Direct competitor across P&C and life lines, with similar bancassurance-led distribution and corporate client focus.
• Wiener Osiguranje Vienna Insurance Group d.d. Croatian subsidiary of Vienna Insurance Group offering non-life and life insurance to retail and corporate customers. Direct peer with similar multi-line product strategy and CEE regional backing.
• Adriatic Slovenica (Generali zavarovalnica Zagreb branch): Slovenian insurer whose Croatian branch portfolio was acquired by Generali Osiguranje in 2020. Historically a direct competitor, now integrated into the subject company but represents the pre-acquisition peer dynamic.
• Croatia Osiguranje d.d. The largest domestic Croatian insurance company offering a similar comprehensive portfolio of life and non-life insurance products to individuals and businesses. Most direct head-to-head competitor in the Croatian market across auto, property, life, and health lines.
• Euroherc osiguranje d.d. Croatian insurance company providing motor, property, casualty, and life insurance products. Comparable multi-line insurer operating with a similar agent and branch-based distribution model in the Croatian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookhr-hr.facebook.com/Generali.osiguranje
• LinkedInlinkedin.com/company/generali-osiguranje
• Instagraminstagram.com/generali_hrvatska

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Generali Osiguranje D.d.