# Zov Solutions

> Integrated P&C insurance software for European carriers and MGAs\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Core Administration |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Sofia, Bulgaria |
| Founded | 1999 |
| Stage | Established |
| Employees | 11-50 |
| Funding | Bootstrapped |

## Overview

Zov Solutions is a policy administration and portfolio management software provider for P&C carriers and MGAs operating across European markets. Founded in 1999 in Sofia, Bulgaria, the company has developed SID (System for Integrated Development), a fully integrated general insurance platform covering policy lifecycle management, underwriting, billing, and analytics.

SID supports multi-language, multi-currency operations and is available in both cloud and on-premise deployment configurations. The platform is designed to handle complex underwriting models and regulatory requirements across European jurisdictions, with rapid product launch capabilities allowing carriers to configure and release new insurance products without vendor involvement.

Zov Solutions serves clients in 13 or more European countries, including QBE, Aon, and Howden. In 2025 the company released SID5, a new platform version with improved connectivity and performance, and presented its capabilities at ITC Europe 2025, demonstrating use cases for Lloyd's of London coverholders managing large commercial risks across multiple jurisdictions.

## Products & services

### SID \(System for Integrated Development\)

SID is a fully integrated general insurance platform built for P&C operations. It covers the complete policy lifecycle from underwriting through billing and renewals, and includes portfolio management and analytics capabilities.

**Key features:**

- Configurable underwriting models with multi\-language and multi\-currency support
- Integrated billing and analytics with automated data integrity checks
- Rapid product design and launch tools for new insurance products
- Cloud and on\-premise deployment options with support for regulatory compliance across European markets
- API integration layer for connectivity with external platforms and ecosystems

*Target users:* P&C carriers, MGAs, and specialty brokers operating in European markets

## Category & focus

- Subcategories: Policy Administration, Underwriting Portfolio Management, Billing
- Insurance verticals: P&C Commercial, P&C Personal, Specialty/E&S
- Target customers: Carriers, MGAs/MGUs, Brokers

## Notable customers

- QBE
- Aon
- Howden
- Colonnade Insurance
- Euroins Insurance

## Links

- Website: <https://www.zovsolutions.com>
- Directory profile: <https://insurtechlist.com/companies/zov-solutions/>
- Linkedin: <https://bg.linkedin.com/company/zov-solutions>
- Blog/news: <https://www.zovsolutions.com/news-and-views/>

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*Last updated: 2026\-06\-25*