GRAWE Carat Asigurări: How can the insurance sector maintain economic stability and strengthen social resilience in Moldova?

For GRAWE Carat Asigurări, the answer lies in stability, trust, and a long-term vision. The company combines over 190 years of European experience with a strong local presence, helping Moldova build a culture of financial protection and confidence.

What the company is doing:
✔️ adapting insurance products to climate-related risks such as droughts, floods, and storms
✔️ investing responsibly in international financial instruments and real estate in Moldova
✔️ investing in corporate bonds issued by international financial institutions with a credit rating of at least BBB+
✔️ advancing digital transformation through the my.grawe.md platform, ensuring secure and transparent access for clients
✔️ promoting financial literacy nationwide – with over 500 participants in practical training sessions this year
✔️ strengthening actuarial modelling and ESG standards to align with international best practices
✔️ investing in people through continuous learning and a culture of integrity and service

“Digital innovation alone is not enough. Our mission is to empower people with knowledge, build trust in protection, and ensure that every client – from farmer to entrepreneur – understands the value of insurance in everyday life”, Veronica Malcoci, CEO, GRAWE Carat Asigurări.

📘 These priorities reflect the principles of the FIA White Book 2025, particularly in the chapters Financial System, Digital Transformation, and Labour Force Market, where responsible investment, innovation, and knowledge form the foundation for Moldova’s sustainable growth.

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