Insurer profile
EUROHERC osiguranje d.d.
EUROHERC osiguranje d.d. is the first privately owned insurance company in Croatia, founded in 1992 with private capital of Croatian citizens. It is the second-largest non-life insurer in Croatia by market share and is a member of the Agram Concern. The company specialises in motor, property, travel and liability insurance, operating through an extensive branch and sales network in Croatia, Austria and Italy.
Source- Legal entity
- EUROHERC osiguranje d.d.
- Headquarters
- Zagreb, Croatia
- Parent group
- Agram Concern (Koncern Agram)
- Regulator
- Croatian Financial Services Supervisory Agency (HANFA)
- Phone
- +385 1 6004 000
- euroherc@euroherc.hr
- Last verified
- May 1, 2026
Products from EUROHERC osiguranje d.d.
motor
Motor Third Party Liability Insurance (MTPL)
Compulsory motor vehicle third-party liability insurance covering bodily injury and property damage caused to third parties by the insured vehicle.
motor
Motor Casco Insurance
Comprehensive or partial casco insurance covering damage to the insured vehicle from traffic accidents, fire, theft, natural disasters and other risks.
motor
ZONA – Motor Insurance and Roadside Assistance Package
An add-on package to MTPL providing accident cover for driver and passengers, roadside assistance, vehicle towing, vehicle storage, and a replacement vehicle for up to 7 days.
property
DOMOS – Home, Apartment and Holiday Home Insurance Package
A unique package property insurance product providing comprehensive coverage for homes, apartments and holiday homes against fire, natural disasters, burglary, flooding, glass breakage and other risks.
property
Commercial and Industrial Property Insurance
Property insurance for businesses and industrial entities covering buildings, equipment, goods, raw materials and other assets against fire, natural disasters and other named perils.
property
Boat and Yacht Insurance (Casco and Liability)
Casco and third-party liability insurance for motor boats, yachts and sailing vessels, including coverage for charter boats and vessels in regattas.
travel
Travel Health Insurance (Abroad and for Visitors to Croatia)
Travel health insurance in cooperation with AXA Assistance covering urgent and necessary medical treatment costs during travel and stays abroad or for foreign visitors to Croatia.
travel
Trip Cancellation and Interruption Insurance
Insurance covering trip cancellation or interruption due to unforeseen circumstances such as death, serious accident, sudden illness, pregnancy complications or natural disasters.
travel
Luggage Insurance
Insurance covering loss, damage or destruction of luggage during travel, including costs of purchasing necessary replacement items if hold luggage is delayed by more than 8 hours.
health
Personal Accident Insurance
Personal accident insurance for individuals and groups covering death, total or partial permanent disability, temporary incapacity to work and medical expenses arising from accidents.
liability
General Liability Insurance (Extra-Contractual Liability)
General extra-contractual liability insurance covering third-party claims for bodily injury or property damage arising from the insured's business activities.
liability
Product Liability Insurance
Insurance covering legal liability for material damage or bodily injury caused to third parties due to the use of a faulty product manufactured or supplied by the insured.
liability
Professional Liability Insurance (Real Estate Agents, Auditors)
Professional liability insurance for real estate agents and auditing companies covering financial damage caused to clients or third parties while performing professional services.
other
Goods in Transit Insurance (Cargo)
Cargo insurance for domestic and international transport of goods by land, sea, rail and air, covering loss or damage due to traffic accidents, natural disasters, fire, theft and other risks.
Regulatory updates
In December 2023, HANFA's Administrative Council issued a compliance order against EUROHERC osiguranje d.d. for failing to follow an earlier HANFA order regarding timely processing and settlement of motor insurance claims in accordance with the Compulsory Insurance in Traffic Act. The company was given until 31 January 2024 to rectify the deficiencies, with potential fines of EUR 16,500 per board member for non-compliance. EUROHERC is also listed and actively supervised in HANFA's insurance company register, where it holds authorisation for a broad range of non-life and life insurance classes.