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Licensed list · Europe · South-Eastern Europe · HR

Licensed insurance companies in Croatia (2026)

VerifiedVerified against the HANFA register, checked 3 Sept 2026.

The 14 insurance companies licensed in Croatia in 2026, as recorded by the HRVATSKA AGENCIJA ZA NADZOR FINANCIJSKIH USLUGA (HANFA), with the class of business and ownership each one is registered under.

14Licensed operators
1Life7% of entities
0General (non-life)0% of entities
4Cross-border groups10 domestically owned

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

  • Domestic private6 43%
  • Pan-European group4 29%
  • Mutual / cooperative3 21%
  • State-owned / parastatal1 7%

“Cross-border groups” counts foreign multinationals and pan-regional groups; “domestically owned” counts domestic private, state-owned, mutual and captive entities. The register records the parent’s type, not its home market. How ownership is recorded

Licensed insurers in Croatia

All 14 entities.

InsurerClassOwnershipGroupVerification
Allianz Hrvatska d.d.UNot stated in registerPan-European groupAllianzVerified
GENERALI OSIGURANJE d.d.UNot stated in registerPan-European groupGeneraliVerified
Groupama osiguranje d.d.UNot stated in registerMutual / cooperativeGroupamaVerified
Wiener osiguranje Vienna Insurance Group d.d.UNot stated in registerPan-European groupVIGVerified
ADRIATIC OSIGURANJE d.d.UNot stated in registerDomestic privateAgramVerified
AGRAM LIFE osiguranje d.d.LLifeDomestic privateAgramVerified
CROATIA osiguranje d.d.UNot stated in registerDomestic privateAdrisVerified
EUROHERC osiguranje d.d.UNot stated in registerDomestic privateAgramVerified
GRAWE Hrvatska d.d.UNot stated in registerMutual / cooperativeGRAWEVerified
MERKUR OSIGURANJE d.d.UNot stated in registerMutual / cooperativeMerkurVerified
TRIGLAV OSIGURANJE d.d.UNot stated in registerState-owned / parastatalTriglavVerified
UNIQA osiguranje d.d.UNot stated in registerPan-European groupUNIQAVerified
HOK - OSIGURANJE d.d.UNot stated in registerDomestic privateIndependentVerified
Hrvatsko kreditno osiguranje d.d.XSpecialty / Credit / CaptiveDomestic privateIndependentVerified

Full table for Croatia ↗

Regulatory intelligence: Croatia

Read from the register, not written for this page: the supervisor’s regime, the source the list was checked against, and the market notes recorded alongside it.

Register source
EIOPA Register of Insurance Undertakings export (3 Sep 2026)
Verification
Verified against the regulator register · EIOPA export, 14 domestic undertakings / 3rd-country branches

No market event is recorded against this register for 2026. The regime and source above are the standing facts.

Governing legislation

  • Insurance Act · Institutional and insurance framework

    HANFA publishes the insurance legislation and implementing framework. The Croatian consolidated legal texts should be consulted where English translations have an earlier cut-off date.

Verification log

Class and group inferred from name - see Master List basis columns

For B2B teams and AI agents

The same rows as static JSON, no key, CORS open, CC BY 4.0. Paged files stay under 96 KB so an agent’s fetch tool never truncates them.

curl -s https://insurers.global/api/v1/countries/croatia.json
curl -s https://insurers.global/api/v1/countries/croatia/insurers/pages/1.json
  • MCP: connect https://insurers.global/mcp and call get_country_summary with { "country": "croatia" }, or list_insurers with country, limit and offset for paged rows.
  • OpenAPI 3.1: /api/v1/openapi.json · WebMCP: /.well-known/webmcp.json · Guide: /ai/ · llms.txt
  • Dataset version 2026-09-08+3f3925fad259; every response carries version, verified and licence.