In the Triglav Group, we are aware that lawful and ethical conduct, in compliance with the fundamental principles of corporate integrity and internationally accepted professional standards and good business practices, are basis for (up)building safe operations, brand reputation and the trust of our stakeholders.
Code of the Triglav Group
As of January 2026, the revised version of the Triglav Group Code has entered into force. For us, it represents the fundamental guideline for our conduct and a clear expression of our commitment to ethical, lawful and responsible business operations. Through this revision, we have strengthened its relevance and responsiveness to modern business and technological challenges, including the introduction of a new principle, “Responsible and Transparent Use of Artificial Intelligence (AI),” which emphasizes the responsible, secure and controlled use of advanced technologies. At the same time, we have substantively enhanced the principles relating to sustainable development, the prevention of competition restriction and unfair business practices, respect for human rights, data protection and integrity, and fraud management.
The Code now comprises 14 ethical principles that guide our daily decision-making and support our four key messages: We Act with Integrity, We Conduct Business and Communicate Transparently, We Care Responsibly for Our Stakeholders, and We Manage Risks. Through the Code, we strengthen unified standards of conduct and reinforce the trust of our employees, clients, partners and the wider community.
Insurance Code
As a member of the Slovenian Insurance Association Zavarovalnica Triglav, d.d., is bound by the provisions of the Insurance Code, the purpose of which is to develop the professionalism and loyalty in the insurance industry and provide customers with high-quality insurance protection.
Slovenian Corporate Integrity Guidelines
As of 2014, when it acceded to the Slovenian Corporate Integrity Guidelines as one of the founding corporate partners, Zavarovalnica Triglav, d.d., is an ambassador of corporate integrity in Slovenia, committed to perform its business with respect to legal and ethical standards and to continuous strenghtening of its corporate integrity.
Restrictions on business in accordance with ZSDH-1
In accordance with the provisions of paragraphs 1, 6, 9 of Article 60 of the Slovenian Sovereign Holding Act (ZSDH-1), Zavarovalnica Triglav, d.d., is subject to restrictions of business operations with the following entities (business companies, individual entrepreneurs, or other business entities from the public or private sector):
- Košarkarski klub Cedevita Olimpija
- Plital, storitve in prodaja, d.o.o.
- Pika Božič Slapar s.p.
- Pool za zavarovanje in pozavarovanje jedrskih nevarnosti, GIZ (Jedrski pool)
- Slovenski državni holding, d.d.
- Slovensko zavarovalno združenje GIZ
- UNI'VS, proizvodnja in storitve d.o.o.
- Poslovne storitve, Tomaž Benčina s.p.
- BB, Barbara Benčina s.p.
- Sandi Čevnja, s.p.
- ELEKTRO NET, d.o.o.
- UBAN, Nejc Jakič, s.p.
- ENTIA, razvoj informacijskih tehnologij, d.o.o.
- Advance Capital Partners d.d.
- ACP Investments d.o.o.
- Odvetnica Katja Umberger
- Shramba, d.o.o.
- Constantia Primia, d.o.o.
- Barnos, d.o.o.
- LONZAN, investicije in nepremičnine, d.o.o.
- EPIDEMIC, oglaševanje na družbenih omrežjih, d.o.o.
- SLOREST podjetje za gospodarske storitve d.o.o.
- ADRIAREST, d.o.o.
- EKOGREEN, družba za trgovinske in poslovne dejavnosti, d.o.o.
- EG Invest, nepremičnine in investicije, d.o.o.
- IVAL, pravno svetovanje, Saša Hojker s.p.
- DELAKOR, poslovno svetovanje, d.o.o.
- VALJO inženiring d.o.o.
- Veterinarska postaja Trebnje d.o.o.
- Nina Valjavec s.p.
- Plesno društvo AKS DANCE
Slovenian Corporate Governance Code for Listed Companies
As a public limited company whose stocks are listed on a stock exchange, Zavarovalnica Triglav, d.d., respects the requirements on corporate integrity, transparency of business operations and disclosure of information in accordance with the rules and recommendations of the securities market and the Slovenian Corporate Governance Code for Listed Companies.
UN Global Compact Slovenia
Zavarovalnica Triglav, d.d., is a signatory to the UN Global Compact Slovenia Declaration on Fair Business, committing itself to operate in an even more transparent and honest way. In concluding our business transactions, we avoid and reject any corrupt behavior, including extortion and bribery, and take care to maintain our corporate integrity at all costs. In accordance with the provisions of the Declaration on Fair Business, all contracts we enter into include, if applicable, a strict anti-corruption clause.
Business Integrity and Transparency Forum
Zavarovalnica Triglav, d.d., supports the operation of the Business Integrity and Transparency Forum at Transparency International Slovenia. The Forum brings together companies from Slovenia and the region that strive for a high level of integrity and the development of an internal corporate culture that will promote ethically and sustainably oriented business, and at the same time, through targeted cooperation, mutual exchange of knowledge and good practices, ensure more effective prevention of illegal and unethical practices in all areas of business.
FATCA
On 2/6/2014, the Republic of Slovenia and the United States of America signed the Agreement to Improve International Tax Compliace and to Implement FATCA. According to this agreement, Zavarovalnica Triglav, d.d., as a Foreign (non-US) Financial Institution, is obliged to identify and record its clients which count as US tax residents and to report on their assets to the US Internal Revenue Service via the Slovenian tax authorities.
Respect for fundamental human rights
Respect for fundamental human rights is seen as an important element of the modern international business environment, so by signing the Commitment to Respect for Human Rights in Business by the parent company of the Triglav group, we embarked on the path of further development of an ethical and human-friendly business environment. The commitment is based on the UN Universal Declaration of Human Rights and other relevant international human rights instruments, and at national level the area is defined by the National Action Plan of the Republic of Slovenia for Respect for Human Rights in the Economy.
