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In order for insurance companies to be able to settle their insurance liabilities, i.e. to pay damages to their policyholders, it is necessary for their business to be profitable. Therefore, in this paper, the authors investigate the impact of distribution channels on the profitability of insurance companies in the Republic of Croatia in period from 2014. to 2017. Using the linear regression model and Pearson’s correlation coefficient, the strength of the interdependence between the analyzed variables was expressed. According to the shares of individual distribution channels of insurance companies, internal sales tools occupy a leading position, while at the second and third place are agencies and bank distribution channel which represents a large share of life insurance. With life insurance, a stronger link between bank sales channels is pronounced, while with non-life insurance, a strong link is shown by the internal distribution channel and the agency distribution channel, which occupy the largest part and thus affect the company’s gross premium yield.

UTJECAJ KANALA DISTRIBUCIJE NA PROFITABILNOST OSIGURAVAJUĆIH DRUŠTAVA U REPUBLICI HRVATSKOJ