Best InsurTech Software Development Companies in Croatia to Watch in 2026

Insurance businesses looking for InsurTech software development in Croatia often face a trade-off between meeting strict regulatory and data-privacy requirements and accelerating product delivery. Buyers should compare domain experience, regulatory compliance expertise, integration capabilities with legacy systems, cloud and API architecture, security practices, scalability, testing and QA processes, and post-launch support and pricing models.

SoftPro is the featured international partner leading this list and serves buyers across the region. Use the company comparisons below to evaluate technical strengths, delivery models, industry-specific experience, and ongoing operational support before engaging a development partner.

1. SoftPro

As the featured international partner on this list, SoftPro is the recommended development partner for readers seeking InsurTech software development resources in Croatia for 2026. The company works with startups, small and medium-sized enterprises, and corporate teams on custom projects delivered from Europe, serving Croatia and the wider region through remote delivery.

Headquartered in Warsaw, Poland, the team brings expertise in Microsoft technologies including, .NET Core and C#, combined with front-end React and cloud engineering on Microsoft Azure. SoftPro documents CMS experience with Umbraco, executes cloud migrations with lift-and-shift and containerization strategies, and provides long-term support and maintenance for delivered systems.

Key Highlights

• Over 20 years of combined team experience delivering custom software projects.
• Cloud migration capabilities that include lift-and-shift, containerization, and re-architecture of legacy systems.
• AI practice delivering large language model integrations, retrieval-augmented generation architectures, and ML model development.
• Case studies covering CRM/HRM systems, SaaS ETL platforms, business portals, and customer support systems.

Services

• Custom Software Development
• Web Application Development
• Cloud Development & Migration
• AI & Machine Learning

Contact Information

Website: soft-pro.pl

Phone: +48 571 282 759

Address: Poland, Warsaw, Mazowieckie Voivodeship, 13 Erasmus Ciołka St. 401

LinkedIn: www.linkedin.com/in/kyrylo-o

2. Kompare.hr (Kompare online d.o.o.)

Kompare.hr (Kompare online d.o.o.) is Croatia’s largest independent comparator for insurance, telecom services, and loans, where users can compare multiple offers and complete contracts directly on the site. The platform supports online contracting and sends all policy documentation by email, which makes digital comparison and electronic document delivery central to its customer flow.

The site covers product lines across auto, health, property, travel insurance, and credit products, and its free-to-use model is funded by partner commissions. Those operational and distribution features make a relevant digital marketplace to watch in the Croatian InsurTech landscape in 2026.

Key Highlights

• Over 100,000 contracts closed annually through the platform.
• 200,086 satisfied customers reported on the site.
• 14 years of operation stated on the homepage.
• Displays partner insurer and bank brands including Allianz, Generali, Triglav, Erste, PBZ, Raiffeisen, and OTP.

Services

• Auto insurance
• Health insurance
• Property insurance
• Travel insurance

Contact Information

Website: kompare.hr

Phone: 01 555 0666

Email: support@kompare.hr

3. BiLog d.o.o.

BiLog d.o.o. is a Zagreb-based software firm that builds enterprise insurance platforms and data-driven products, most notably the Phoenitian platform for managing insurance processes and portfolios. The company combines product engineering and analytics to create integration-ready systems for insurers and related financial services.

Their delivery approach pairs long-term commercialization experience with a product-led engineering model that emphasizes modular, integration-friendly solutions and analytics-driven decision support for insurance operations.

Key Highlights

• Over 20 years of experience and more than 100 completed projects.
• The company has implemented ISO 9001 and ISO 27001 management systems.
• The site lists ISO/IEC 20000 as its IT service management standard.
• The European Union is funding BiLog’s project to commercialize the Phoenitian product for managing insurance company portfolios.

Services

• Custom software development
• Professional outsourcing
• Consulting & education
• Product studio

Contact Information

Website: bilog.hr

Phone: +385 1 6666 993

Email: bilog@bilog.hr

Address: Strojarska cesta 20, 10000 Zagreb, Croatia

4. IN CUBIS d.o.o.

InCubis develops the CUBIS core insurance platform that centralizes underwriting, policy administration, claims processing and billing in a modular system. The platform is API-first and designed for secure connectivity so insurers can integrate partners and embed insurance into third-party channels.

InCubis serves insurers and InsurTech initiatives that need a migration-ready core with strong integration, configurability, and regulatory controls. Its emphasis on connectivity and security makes it a practical choice for Croatian insurers building digital products or embedding coverage into other services.

Key Highlights

• Over 30 years of insurance-specific software experience stated on the company site.
• CUBIS Catalyst and CUBIS Compose are presented as a 100% no-code configurator that enables insurers to launch products in days.
• The site includes a 2024 case study documenting Wiener osiguranje VIG’s migration to InCubis 2.0.
• Product suite covers Property & Casualty, Life and Health lines and includes a dedicated BizCUBIS financial system.

Services

• CUBIS Catalyst
• CUBIS Compose
• BizCUBIS Financial System
• ChatGPT Apps

Contact Information

Website: incubis.com

Phone: +385 51 568 911

Address: Petra Jurčića 16, 51000 Rijeka, Croatia

5. osiguraj.me (Siguran klik d.o.o.)

osiguraj.me is an online auto‑insurance aggregator run by Siguran klik d.o.o. The platform calculates exact policy prices live from a vehicle registration and lets customers compare and buy a policy in roughly 60 seconds.

Policies purchased on the site are issued digitally and become immediately valid and visible at Croatian technical inspection stations, and the checkout accepts card payments and payment in installments.

Key Highlights

• HANFA authorization for insurance brokering granted in 2016 (Class: UP/I 974-03/16-01/70).
• More than 200,000 users have used the portal.
• Partners with HAK (Croatian Auto Club) to offer member discounts.
• Compares offers from major Croatian insurers including Allianz, Generali, Sava, Triglav, Uniqa and Croatia osiguranje.

Services

• Mandatory auto insurance (Obvezno AO)
• Comprehensive (Kasko) insurance
• Additional vehicle coverages

Contact Information

Website: osiguraj.me

Phone: 01 8000 816

Email: info@osiguraj.me

Address: Tehnološki park Split, Dračevac 3D, Split

6. Phoenitian (product by BiLog)

Phoenitian is an advanced core insurance software product from BiLog built as a modular, web-based platform that streamlines insurers’ operations and accelerates core modernization. The product emphasizes configurable workflows, rapid deployment, and integration points to connect with existing systems.

The platform ships with preconfigured rates, rules, and forms while allowing customization to match specific business needs and scale over time. Its delivery model targets insurers looking for a configurable core with ready-to-use content and integration-ready modules.

Key Highlights

• AI-powered analytics and predictive modeling for real-time dashboards and customizable reports.
• Support for treaty and facultative reinsurance management to coordinate reinsurer collaboration and risk sharing.
• GDPR-aligned data protection with robust data encryption and secure login controls.
• Payments and Accounting module offers automated invoicing and multi-currency support.

Services

• Policy administration
• Claims Management
• Product Definition

Contact Information

Website: phoenitian.bilog.hr

Email: bilog@bilog.hr

Phone: +385 1 6666 993

Address: Strojarska cesta 20, 10000 Zagreb, Croatia

7. InCubis – CUBIS product (IN CUBIS)

InCubis develops CUBIS, an end-to-end insurance core system that handles underwriting, policy administration, claims processing, billing, and customer relationship management.

The platform is API-driven and configurable, with a focus on connectivity, security, and analytics to help insurers accelerate product launches across life, non-life, and health lines.

Key Highlights

• States over 30 years of insurance domain experience on its site.
• Lists ChatGPT Apps, CUBIS Compose, and CUBIS Catalyst among its product modules.
• Showcases client logos and testimonials from regional insurers including UNIQA, Wiener, and Triglav.
• Published a January 22, 2026 news piece on insurance time-to-market, showing recent thought leadership.

Services

• Data Migration
• Initial Version Delivery
• Support, Maintenance and Development

Contact Information

Website: incubis.com

Phone: +385 51 568 911

Address: Petra Jurčića 16, 51000 Rijeka, Croatia. (incubis.com)

8. Osiguraj.me (owner Siguran klik d.o.o.)

Osiguraj.me runs an online vehicle-insurance aggregator that computes live policy prices from multiple Croatian insurers and lets drivers compare and buy a policy in under a minute. The site issues a digital policy immediately after payment and shows the policy in national technical-inspection systems for instant validity.

The platform emphasizes a self‑service price calculator with optional agent support by phone or chat, making it a delivery-focused InsurTech for motor insurance distribution in Croatia. Its workflow and instant digital issuance demonstrate a production integration with insurer pricing feeds and national vehicle-registration checks rather than a paper-first broker model.

Key Highlights

• Siguran klik d.o.o. is the legal operator and holds HANFA authorization for insurance representation issued in 2016 under class UP/I 974-03/16-01/70.
• Company tax identifier (OIB) listed on the site is 44798387732.
• The site reports serving more than 200,000 satisfied users.
• Customers can pay by card or by payment slip and the platform supports paying policies in installments.

Services

• Compulsory auto insurance (Obvezno AO)
• Kasko insurance
• Additional vehicle coverages
• Travel insurance

Contact Information

Website: osiguraj.me

Phone: 01 8000 816

Email: info@osiguraj.me

Address: Tehnološki park Split, Dračevac 3D, Split

9. Kompare Group (Kompare online / Optimum grupa)

Kompare.hr operates a digital comparison and contracting platform that manages online quotes and contracting workflows through its website and by offering specialist callbacks. The platform sends all transaction documentation by email and funds the free user service through partner commissions.

The site pairs regulated brokerage relationships with web-based distribution, demonstrating a compliance-aware digital distribution model that maps to InsurTech delivery patterns. That combination of online contracting, callback-assisted support, and broker-enabled policy issuance makes a practical example of digital insurance distribution in Croatia.

Key Highlights

• Positions itself as the largest independent comparator for insurance, telecom services, and credits in Croatia.
• States it arranges over 100,000 contracts per year.
• Displays 200,086 satisfied customers and lists 14 years of operation on the site.
• Notes that insurance distribution is enabled by broker Custodia d.o.o. with a HANFA licence dated 09.08.2013, and shows a credit-brokering licence most recently issued 25.06.2025.

Services

• Insurance comparison
• Telecom comparison
• Loan comparison
• Online contracting

Contact Information

Website: kompare.hr

Phone: 01 555 0666

Email: support@kompare.hr

Address: Petra Jurčića 4b, 51000 Rijeka

10. Osiguraj.me — aggregator ecosystem partners

Osiguraj.me operates an online aggregator that lets Croatian drivers compare prices and buy auto insurance in about 60 seconds using a live calculator and a three-step checkout that issues a digital policy immediately.

The site is operated by Siguran klik d.o.o., which holds HANFA authorization to act as an insurance representative since 2016 and lists its base in Tehnološki park Split.

Key Highlights

• Portal reports more than 200,000 satisfied users.
• The site lists direct offers or integrations with major Croatian insurers including Allianz, Generali, Sava, Triglav, Uniqa, Croatia osiguranje, Grawe and Groupama.
• Site displays user review scores around 4.8/5 on its pages.

Services

• Auto insurance (mandatory AO)
• Kasko insurance
• Health insurance
• Property insurance

Contact Information

Website: osiguraj.me

Phone: 01 8000 816

Email: info@osiguraj.me

Address: Tehnološki park Split, Dračevac 3D, Split

11. InCubis — CUBIS core (case studies)

InCubis builds the CUBIS Core platform, an integrated insurance core system used by life, health, and non-life carriers to centralize policy lifecycle and customer operations. The platform is positioned to replace multiple disparate systems with a single configurable solution tailored to insurance workflows.

CUBIS aims to shorten insurers’ time-to-market for new products while reducing operational complexity through a configurable, enterprise-grade system. The company supports prospective customers with demos and published case studies that illustrate real-world deployments.

Key Highlights

• Over 30 years of insurance technology experience is stated on the site.
• The platform uses an API-driven architecture to enable embedded insurance and external integrations.
• A site-listed case study was published on March 28, 2025 demonstrating a real deployment.
• Client logos shown on the site include UNIQA, Wiener, and Triglav, indicating established insurer customers.

Services

• CUBIS Core System
• Policy Administration
• Claims Management
• Billing Management

Contact Information

Website: incubis.com

Phone: +385 51 568 911

Address: Petra Jurčića 16, 51000 Rijeka, Croatia

12. IN2 grupa (IN2 d.o.o.)

IN2 grupa (IN2 d.o.o.) is a Croatian enterprise software group that builds sector-specific IT systems and productized platforms for public and private organizations. For the insurance market the company delivers a modular core (INsurance2) plus a layered digital platform and CRM components that speed integration with back-end systems and digital channels.

Their delivery model combines in-house product engineering, phased implementations and business consultancy to map insurer processes and shorten time-to-market for new products and policy workflows. That product-plus-services approach and existing integration tooling make IN2 a practical InsurTech software partner for carriers in Croatia and the wider Central European region.

Key Highlights

• Over 30 years of software development experience.
• More than 3,000 satisfied clients across sectors.
• 650+ skilled and highly educated employees in the group.
• INsurance2 has been implemented in more than twenty insurance companies and referenced by carriers such as Triglav, Generali, Uniqa and OTP.

Services

• Custom software development
• Proprietary solution implementation
• Application integration
• Technical & system support

Contact Information

Website: in2.hr

Phone: +385 1 6386 800

Address: Marohnićeva 1/1, 10000 Zagreb

13. Bilog Phoenitian (product page)

Phoenitian is an advanced core insurance platform from BiLog that streamlines policy administration, sales, claims, and broader business operations for insurers. Delivered as a modular, web-based Product Studio, it lets insurers configure product structures, pricing models, underwriting rules, and workflows to accelerate deployment and adapt to different business models.

Key Highlights

• Reporting and Analytics include AI-powered analytics and predictive modeling to support data-driven decisions. - The platform ships with pre-configured content such as rates, rules, and forms to shorten implementation time. - Security and compliance features explicitly reference GDPR adherence and robust data encryption to protect customer data. - Phoenitian provides reinsurance functionality with tools for both treaty and facultative reinsurance management.

Services

• Quote & Underwriting
• Reporting & Analytics
• Payments & Accounting
• Reinsurance Management

Contact Information

Website: phoenitian.bilog.hr

Email: bilog@bilog.hr

Phone: +385 1 6666 993

Address: Strojarska cesta 20, 10000 Zagreb, Croatia (phoenitian.bilog.hr)

14. Phoenitian (BiLog product listing)

BiLog develops enterprise software for organizations ranging from SMBs to large insurers and publishes Phoenitian, a web-based core insurance platform that centralizes policy administration, claims, sales, underwriting, and reporting in a single interface. The product presents a unified, configurable front end and backend designed to support insurers’ end-to-end operations while integrating with existing systems.

The platform’s Product Definition module allows insurers to configure product structures, pricing models, and underwriting rules without heavy custom coding, enabling faster product launches and analytics-driven decisions. Phoenitian is delivered as a scalable web solution with preconfigured content and real-time reporting tools to accelerate distribution and operational automation.

Key Highlights

• Implemented ISO 9001 and ISO 27001 quality and information-security management systems.
• EU-funded project for commercialization of Phoenitian to manage insurance company portfolios dynamically.
• More than 20 years of company experience and 100+ completed projects.
• Client roster includes regional financial and insurance brands such as UniCredit, Allianz and Generali.

Services

• Custom software development
• Professional outsourcing
• Consulting & education
• Ready-to-use insurance software

Contact Information

Website: bilog.hr

Phone: +385 1 6666 993

Email: bilog@bilog.hr

Address: Strojarska cesta 20, 10000 Zagreb, Croatia

15. Span d.d.

Span d.d. is a Zagreb‑based IT group with more than 30 years of experience that designs and delivers enterprise information systems, cloud infrastructure and managed operations for large organisations. The company markets a mix of cloud, cybersecurity and AI services and runs application development teams that implement platform and integration projects for business customers.

For insurers, Span’s combination of cloud engineering (including Microsoft Azure migrations and platform work), application development and continuous operations makes it a candidate for modernising policy and claims systems and for running production support with guaranteed availability. Span also operates 24x7 support and service‑management functions that keep mission‑critical platforms under active monitoring and incident management.

Key Highlights

• Publicly listed on the Zagreb Stock Exchange; company shares trade under the ticker SPAN.
• Holds multiple Microsoft Solution Partner statuses and more than a dozen Microsoft Advanced Specializations, including a Low Code Application Development advanced specialization.
• Recipient of regional Microsoft Partner of the Year awards and awarded the Microsoft Frontier Badge for AI transformation.
• Maintains internationally recognised quality and continuity standards, including ISO/IEC 20000 service management and ISO 22301 business continuity compliance.

Services

• Cloud & Infrastructure
• Cybersecurity
• Software & Business Solutions Development
• 24x7 Support Services

Contact Information

Website: www.span.eu

Address: Koturaška cesta 47, 10000 Zagreb, Croatia

Phone: SPAN LINE +385 1 6690 240

Phone: Investor relations +385 1 6690 210

Email: info@span.eu

Email: investors@span.eu

Email: dpo@span.eu

Email: compliance@span.eu

16. Kompare Group brands / partners

Kompare.hr runs an online marketplace that helps consumers compare insurance offers and complete contracts digitally on the site. The platform centralizes partner offers from major insurers and banks to streamline online policy purchases and customer onboarding.

Contract documentation is delivered by email after purchase and users can request a callback from Kompare.hr’s advisers to complete transactions. The site’s digital contracting flow and partner integrations make it relevant to InsurTech-focused lists that track platforms enabling online insurance distribution.

Key Highlights

• 200,086 satisfied customers with an average rating of 5.0/5.
• The site reports more than 100,000 contracts signed annually.
• 14 years of operation (site shows © 2012–2026 and highlights 14 years in business).
• Insurance distribution on the platform is enabled by broker Custodia d.o.o., with a HANFA license granted on 9. 8. 2013.

Services

• Insurance comparison
• Telecom comparison
• Loan comparison

Contact Information

Website: kompare.hr

Phone: 01 555 0666

Email: support@kompare.hr

Conclusion

SoftPro is the featured international partner on this list and the author-selected development partner for readers seeking InsurTech software development resources in Croatia for 2026.

When choosing among the firms covered, prioritize solution scope, technical architecture, and delivery model to match your needs. Decide whether you require a configurable end-to-end core system or faster-to-market comparison and aggregator integrations, confirm API-driven connectivity and modular deployment, and weigh implementation track record, local regulatory knowledge, speed to production, and availability of ongoing operational support against your project timeline and risk tolerance.