Insurer profile
Adriatic Insurance Joint Stock Company
ADRIATIC osiguranje d.d. is one of the leading non-life insurance companies in Croatia, formerly known as Jadransko osiguranje d.d. A member of the Agram Group, it offers a portfolio of over 150 insurance products for private and corporate clients, operates more than 500 sales points nationwide, and holds approximately 12.6% market share in the Croatian insurance market as of 2025.
Source- Legal entity
- Adriatic Insurance Joint Stock Company
- Headquarters
- Zagreb, Croatia
- Parent group
- Koncern Agram d.d.
- Regulator
- Croatian Financial Services Supervisory Agency (HANFA)
- Phone
- +385 800 0606
- adriatic@adriatic-osiguranje.hr
- Last verified
- May 1, 2026
Products from Adriatic Insurance Joint Stock Company
motor
Motor Third-Party Liability Insurance (Mandatory Auto Insurance)
Mandatory motor third-party liability insurance covering damage caused to third parties by the use of a motor vehicle.
motor
Auto Casco Insurance
Comprehensive vehicle insurance covering damage or loss of the insured vehicle due to accidents, theft, and other insured risks.
property
House, Apartment, Holiday Home and Apartment Insurance
Insurance of residential properties including houses, apartments, holiday homes and apartments against fire, natural disasters, theft, and other risks.
property
Fire and Natural Disaster Property Insurance
Insurance of property against fire, explosion, storm, natural disasters, and other additional perils for both private and corporate clients.
liability
Public / General Third-Party Liability Insurance
Insurance covering civil extra-contractual liability for damage caused to third parties arising from business activities, property ownership, or other sources of risk.
liability
Professional / Contractual Liability Insurance
Insurance covering professional liability for attorneys, notaries, marina operators, and other professionals for damage caused to third parties in the course of their professional activities.
other
Mandatory Liability Insurance for Watercraft (Motorboat / Yacht)
Mandatory third-party liability insurance for motorboats and yachts with engine power exceeding 15 kW, covering damage to third parties during navigation.
other
Maritime Casco Insurance (Vessel / Yacht / Motorboat)
Hull and machinery (casco) insurance for ships, motorboats and yachts, available as full coverage or total loss only.
liability
Aircraft Liability Insurance (including drone operators)
Mandatory liability insurance for aircraft operators and drone operators covering damage caused to third parties and passengers.
other
Aircraft Casco Insurance
Casco insurance for aircraft (planes, helicopters, gliders, etc.) covering damage during flight, taxiing, standing on the ground and mooring.
health
Personal Accident Insurance
Insurance against the consequences of accidents for individuals, employees, travellers, sports participants and others, covering death and permanent disability.
travel
Travel Insurance Abroad
Comprehensive travel insurance for travel abroad covering emergency medical treatment, accident, baggage loss, personal liability, and trip cancellation.
travel
Domestic Travel Insurance
Travel insurance for journeys within Croatia, covering accident, baggage, private liability and trip cancellation, primarily for school, club and group trips.
travel
Travel Insurance for Foreign Visitors in Croatia
Health insurance for foreign visitors staying in Croatia, covering emergency medical treatment, hospital stays and transport costs during the visit.
travel
ZONA Insurance Package (Roadside Assistance and Accident)
Combined insurance package providing accident coverage and roadside assistance for the driver and passengers, added to an auto liability or casco policy.
financial
Financial Guarantees and Surety Bonds Insurance
Insurance of financial guarantees and surety bonds, structured on an individual risk quotation basis for corporate clients.
other
Cargo / Goods in Transit Insurance (Transport Insurance)
Insurance of goods in domestic and international transport (cargo insurance) covering land, air and sea freight.
liability
Transport Liability Insurance (Carrier Liability)
Liability insurance for carriers (road, air and sea) covering claims arising from damage to goods during transport.
health
Supplementary Health Insurance
Supplementary health insurance covering co-payment costs (participations) within the Croatian mandatory health insurance system.
Regulatory updates
ADRIATIC osiguranje d.d. is actively supervised by HANFA and is listed on the Zagreb Stock Exchange (ticker: JDOS). Recent regulatory activity includes multiple HANFA decisions approving management board and supervisory board appointments (2024–2025), as well as the company's application of the HANFA Corporate Governance Code. In 2024, the company reported a net profit of EUR 4.06 million and non-life market share growth from 14.68% to 15.41%. As of April 2026, the company initiated proceedings to delist its shares from the Zagreb Stock Exchange regulated market.