{
  "dataset": "Insurers Global — Insurance Companies Directory (Africa and Europe)",
  "version": "2026-09-03+625f5a6ecf49",
  "verified": "2026-09-03",
  "licence": "CC BY 4.0 — attribute KAFS North America (Kenbright Actuarial and Financial Services North America), https://insurers.global",
  "data": {
    "slug": "montenegro",
    "name": "Montenegro",
    "workbookName": "Montenegro",
    "continent": "europe",
    "iso2": "ME",
    "iso3": "MNE",
    "isoNum": "499",
    "composite": null,
    "region": "south-eastern-europe",
    "regulator": {
      "name": "ISA",
      "acronym": "ISA",
      "website": "https://ano.co.me",
      "regime": null,
      "registerSource": "Compiled from market knowledge - verify against national register"
    },
    "currency": "EUR",
    "total": 6,
    "byClass": {
      "composite": 2,
      "general-non-life": 3,
      "life": 1
    },
    "byGroupType": {
      "pan-european-group": 5,
      "domestic-private": 1
    },
    "verification": {
      "level": "unverified",
      "status": "NOT verified",
      "source": "No public flat register retrieved",
      "corrections": "Principal carriers from market knowledge; UK: PRA/FCA register needs API access"
    },
    "marketNotes": [],
    "url": "https://insurers.global/countries/montenegro/",
    "api": "https://insurers.global/api/v1/countries/montenegro.json",
    "insurers": [
      {
        "slug": "montenegro-lovcen-osiguranje",
        "name": "Lovćen osiguranje",
        "class": "composite",
        "classCode": "C",
        "group": "Triglav",
        "groupSlug": "triglav",
        "groupType": "pan-european-group",
        "verification": "unverified",
        "notes": null,
        "url": "https://insurers.global/insurers/montenegro-lovcen-osiguranje/"
      },
      {
        "slug": "montenegro-uniqa-montenegro",
        "name": "UNIQA Montenegro",
        "class": "composite",
        "classCode": "C",
        "group": "UNIQA",
        "groupSlug": "uniqa",
        "groupType": "pan-european-group",
        "verification": "unverified",
        "notes": null,
        "url": "https://insurers.global/insurers/montenegro-uniqa-montenegro/"
      },
      {
        "slug": "montenegro-generali-osiguranje-montenegro",
        "name": "Generali Osiguranje Montenegro",
        "class": "general-non-life",
        "classCode": "G",
        "group": "Generali",
        "groupSlug": "generali",
        "groupType": "pan-european-group",
        "verification": "unverified",
        "notes": null,
        "url": "https://insurers.global/insurers/montenegro-generali-osiguranje-montenegro/"
      },
      {
        "slug": "montenegro-sava-montenegro",
        "name": "Sava Montenegro",
        "class": "general-non-life",
        "classCode": "G",
        "group": "Sava",
        "groupSlug": "sava",
        "groupType": "pan-european-group",
        "verification": "unverified",
        "notes": null,
        "url": "https://insurers.global/insurers/montenegro-sava-montenegro/"
      },
      {
        "slug": "montenegro-swiss-osiguranje",
        "name": "Swiss Osiguranje",
        "class": "general-non-life",
        "classCode": "G",
        "group": "Swiss Osiguranje",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "unverified",
        "notes": null,
        "url": "https://insurers.global/insurers/montenegro-swiss-osiguranje/"
      },
      {
        "slug": "montenegro-wiener-stadtische-podgorica",
        "name": "Wiener Städtische Podgorica",
        "class": "life",
        "classCode": "L",
        "group": "VIG",
        "groupSlug": "vig",
        "groupType": "pan-european-group",
        "verification": "unverified",
        "notes": null,
        "url": "https://insurers.global/insurers/montenegro-wiener-stadtische-podgorica/"
      }
    ]
  }
}