South-Eastern Europe · ME · EUR
Montenegro
Црна Гора
11 licensed entities supervised by the ISA.
- Listed insurers
- 11
- Insurance classes
- 2
- Groups present
- 6
A sense of place
Beyond the numbers.
Heritage, places of work and the landscapes that connect them. Three selected references behind this artistic portrait.
Local names, languages & illustration notes
Selected local names and languages, with links to the references behind this artistic composition.
Montenegro
- Serbian
- Црна Гора
Name reference: mledoze/countries · ODbL data · ODbL licence. Flag artwork: flag-icons · MIT.
By class of business
Each company is counted once, under the class its register row records. The supervisor’s own tally counts licences, so a company licensed for more than one class appears more than once there.
By ownership
Verification log
Verified - full register · Agencija za nadzor osiguranja (ANO, Insurance Supervision Agency of Montenegro) - “Subjekti nadzora: Društva za osiguranje”, the register of licensed insurance companies, retrieved 23 Sep 2026: 11 licensed companies (7 non-life, 4 life), each with its business name, class of insurance, licence number and date, company number and qualified holders. The page's second tab lists 2 further companies in liquidation or bankruptcy, which are not current licensees and are excluded.
Reconciled against the ANO register of insurance companies (Društva za osiguranje), retrieved 23 Sep 2026: 11 licensed companies. Five existing rows matched; six licensees were added, including the two companies licensed in 2026 (Veder neživotno osiguranje and Wiener Städtische osiguranje Podgorica) and the separate life companies of the Lovćen, Uniqa and Grawe groups. Rows 3644 and 3645 were corrected from composite to general because Montenegro licenses life and non-life in separate companies. Row 3648 (Swiss Osiguranje) is no longer on the register: the register records GRAWE's 100% acquisition of Swiss osiguranje AD approved 18 November 2020 and carries the same licence under Grawe neživotno osiguranje AD. The register covers insurance companies only; agents, brokers and other intermediaries are separate ANO registers and are excluded.
Licensed insurers in Montenegro
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| Company | Class | Parent / group | Ownership | Regulator | Verification | Popularity |
|---|---|---|---|---|---|---|
| Lovćen osiguranjeLJSE: ZVTG Registered as Lovćen osiguranje AD | GGeneral (Non-life) | Triglav | Pan-European group | ISA | Verified | 65 Confidence: Low |
| UNIQA MontenegroWiener Börse: UQA Registered as Uniqa neživotno osiguranje AD | GGeneral (Non-life) | UNIQA | Pan-European group | ISA | Verified | — |
| Generali Osiguranje MontenegroBorsa Italiana: G Registered as Generali osiguranje Montenegro AD | GGeneral (Non-life) | GeneraliIAIG | Pan-European group | ISA | Verified | 51 Confidence: Low |
| Sava MontenegroLJSE: POSR Registered as Sava osiguranje AD | GGeneral (Non-life) | Sava | Pan-European group | ISA | Verified | 61 Confidence: Low |
| Wiener Städtische PodgoricaPSE Registered as Wiener Städtische životno osiguranje Podgorica AD | LLife | VIGIAIG | Pan-European group | ISA | Verified | 73 Confidence: Low |
| Lovćen životna osiguranjaLJSE: ZVTG Licence 03-991/4-10 od 21.12.2010. The register names the qualified holder as Lovćen osiguranja AD Podgorica – 100%, and on the same page names Triglav INT, holdinška družba d.d. Ljubljana – 100% as the qualified holder of Lovćen osiguranje AD, so it is filed under the same group as row 3644.; Registered as Lovćen – životna osiguranja AD | LLife | Triglav | Pan-European group | ISA | Verified | — |
| Uniqa životno osiguranjeWiener Börse: UQA Licence 10-2/08 od 6.02.2008. The register names the qualified holders as Uniqa Österreich Versicherungen AG, Vienna – 93.32% and Uniqa životno osiguranje ado Beograd – 6.68%.; Registered as Uniqa životno osiguranje AD | LLife | UNIQA | Pan-European group | ISA | Verified | — |
| Grawe neživotno osiguranje Licence 896-2/08 od 23.01.2009, PIB 02096064 – the same licence and company number the workbook's row 3648 (Swiss Osiguranje) refers to. The register names the qualified holder as Grazer Wechselseitige Versicherung Aktiengesellschaft, Graz, Austria – 100% of the share capital of Swiss osiguranje AD Podgorica, approval 03-741/7-20 of 18 November 2020, which is why row 3648 is proposed as an AQ succession into this entry rather than a second company.; Registered as Grawe neživotno osiguranje AD | GGeneral (Non-life) | GRAWE | Pan-European group | ISA | Verified | — |
| Grawe osiguranje Licence 03-392/5-09 od 4.09.2009. The register names the qualified holder as Grazer Wechselseitige Versicherung AG, Graz, Austria – 100%. A separate legal entity from Grawe neživotno osiguranje AD (different PIB and licence).; Registered as Grawe osiguranje AD | LLife | GRAWE | Pan-European group | ISA | Verified | — |
| Wiener Städtische osiguranje PodgoricaPSE Newly licensed: 03-193/7-26 od 30. jun 2026. The register names the qualified holders as “Vienna Insurance Group” – 50.1%, Wiener Städtische životno osiguranje AD Podgorica – 24.95% and Wiener Städtische osiguranja ado Beograd – 24.95%. Distinct from row 3649, which is the life company.; Registered as Wiener Städtische osiguranje Podgorica AD | GGeneral (Non-life) | VIGIAIG | Pan-European group | ISA | Verified | — |
| Veder neživotno osiguranje Newly licensed: 03-1044/11-25 od 18. maj 2026, seat ul. VII, Donja Cijevna, Zeta. The register names the qualified holder as “ENTER” za proizvodnju promet i usluge – 100%; no further ownership research was done.; Registered as Veder neživotno osiguranje AD | GGeneral (Non-life) | Enter | Domestic private | ISA | Verified | — |
No insurers match that filter.
Popularity is an estimate of how often people search Google for each insurer, from 0 to 100; the bars show how confident the estimate is. Not a rating of the insurer. How the index works
Former and deregistered companies
Names once listed in Montenegro and no longer in use. A company that was renamed, merged or acquired is counted under the name it has today; the names below are counted in no total on this page.
| Former name | What happened | Listed today as |
|---|---|---|
| Swiss Osiguranje | Acquired 18 November 2020 | Grawe neživotno osiguranje |
South-Eastern Europe
