What is “ZAD”?
ZAD (Insurance joint-stock company) is a public limited liability company used primarily in Bulgaria. It signals limited liability and potential public listing.
Where it's used
ZAD appears in company names registered in the following jurisdiction:
What it tells you about the company
Equivalent forms around the world
These are the closest structural equivalents to ZAD in other jurisdictions — same entity category, different national law.
Normalizing “ZAD” in your data
When matching or deduplicating company records, the legal suffix is noise — “Acme ZAD” and “Acme” should resolve to the same entity. One API call strips it and returns a stable canonical form:
curl -X POST https://api.ambect.com/v1/normalize/company \
-H "Authorization: Bearer $AMBECT_KEY" \
-H "Content-Type: application/json" \
-d '{"name": "Acme ZAD", "country": "bg"}'{
"data": {
"canonical": "acme zad",
"legal_type": null,
"tokens": [
"acme",
"zad"
]
},
"meta": {
"pipeline": [
"lowercase",
"legal_suffix"
],
"confidence": 0.99
}
}Frequently asked questions
What does ZAD mean?
ZAD means "Insurance joint-stock company".
Is a ZAD public or private?
A ZAD is a public entity — it can issue shares that are listed and traded on a stock exchange.
What is the liability in a ZAD?
Owners of a ZAD have limited liability. Their personal assets are protected, and their exposure is capped at the amount they invested.
Which countries use ZAD?
ZAD is used in Bulgaria.
Need to normalize ZAD at scale? The Ambect API handles it across 100+ countries in under 5 ms.
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