What We Offer
Special Risks
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We can provide tailor-made insurance solutions for any type of production: full-length movies, documentaries, cartoons, advertising spots, tv shows, animation films, corporate films, TV series, photo sessions, music videos, and many others.
We want to help you understand what types of risks could threaten your project using claims statistics to tailor the best and most affordable insurance for your production.
Our solutions can cover all irretrievable costs as well as your expected profit, should you wish to include this in your policy.
We can collect several quotes on the EU markets and wider if needed.
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Professional sportsmen are exposed to injuries which can endanger their career. We can provide various type of policies to protect the financial interests of the individuals and clubs for which they perform.
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We can provide bespoke insurance solutions for any type of event – concerts, corporate events, sports shows including motorized events, tournaments, cultural events, weddings, and many more. We want to help you to understand what types of risks could threaten your project using claims statistics to be able to tailor the best and most affordable insurance) for your event. Our solution can cover all irretrievable costs as well as your expected profit, should you wish to include this in your policy.
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Product promotions with eye-catching competition prizes are a fantastic marketing tool to expand your business. Through these promotions, you can offer your new or existing customers the opportunity to win a range of attractive, high value product prizes from your company. For example, prizes can awarded based on the results of international sporting events or on predictions about the weather on certain days (e.g. will it snow on Christmas day?) Promotion Insurance limits your potential loss by insuring your pay-outs if your prize is won.
Property & Business Interruption Insurance
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An insurance cover that protects physical assets. Also known as Property Damage. See also ALL RISKS above as the most common form of perils covered by this insurance.
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An insurance class that protects companies following a material damage loss, against loss of profit, revenue or income. This can also be established to protect Increased Costs of Working and other Additional Expenditures. This cover will pay out over a set time period termed the Indemnity Period.
Construction and Erection Insurance
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Policies typically consist of three coverage parts.
Part I is analogous to builders’ risk policies issued in connection with domestic construction projects. It provides coverage for damage to the project under construction and for materials and equipment that are destined for incorporation into the project, including items in storage and in transit to the site.
Part II provides liability insurance for third-party bodily injury (BI) and property damage (PD) arising out of the construction operations.
Part III is optional coverage for losses arising out of a delay in start-up (DSU) due to an insured loss. This coverage is analogous to delayed opening/soft costs coverage available in conjunction with domestic builders’ risk policies. Covered parties include the project owner, general contractor, subcontractors, and in some cases suppliers of materials and equipment. In rare instances, the design professional may also be insured.
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EAR policies are designed to cover the risk of loss arising out of the erection and installation of machinery, plant and steel structures, including physical damage to the contract works, equipment and machinery, and liability for third-party bodily injury (BI) or property damage (PD) arising out of these operations. Coverage for delay in start-up (DSU) costs is typically an optional coverage. Covered parties include the general contractor, subcontractors, and in some cases suppliers and manufacturers of equipment. Examples of the types of projects for which EAR coverage is typically purchased include power plants, manufacturing and fabrication facilities, water and wastewater treatment facilities, and telecommunications centres (particularly where the erection of signal towers is involved). Some insurers combine EAR and contractors all risks (CAR) coverages into one form. Although these terms are sometimes used interchangeably, there are some substantive differences.
Liability Insurance
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A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability
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This policy provides coverage to the insured (employer) for liability to employees for work-related bodily injury or disease, other than liability imposed on the insured by a workers compensation law.
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Protection against financial loss arising out of the legal liability incurred by an insured because of injury or damage resulting from the use of a covered product or out of the liability incurred by a contractor after a job is completed (completed operations cover).
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Insurance coverage for the cost of getting a defective product back under the control of the manufacturer or merchandiser that would be responsible for possible bodily injury (BI) or property damage (PD) from its continued use or existence. Standard product liability insurance does not cover this exposure due to the "sistership liability exclusion."
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A type of liability coverage designed to protect traditional professionals (e.g., accountants, attorneys) and quasi-professionals (e.g., real estate brokers, consultants) against liability incurred as a result of errors and omissions in performing their professional services. Although there are a few exceptions (e.g., physicians, architects, and engineers), most professional liability policies only cover economic or financial losses suffered by third parties, as opposed to bodily injury (BI) and property damage (PD) claims. This is because the latter two types of loss are typically covered under commercial general liability (CGL) policies. The vast majority of professional liability policies are written with claims-made coverage triggers. In addition, professional liability policies commonly contain what are known as "shrinking limits," meaning that unlike CGL policies (where defense costs are paid in addition to policy limits), the insurer's payment of defense costs reduces available policy limits. Accordingly, when attempting to determine appropriate policy limits, insureds must consider the fact that because defense costs are often a high proportion of any claim settlement or judgment, they may need to purchase higher limits than they would have for indemnity only. Note, however, that many professional liability policies (particularly for the medical, hospital, long-term care, and medical facility lines of professional liability) do provide defense coverage in addition to policy limits, an approach that is more in line with the structure of a CGL policy. The most common exclusions in professional liability policy forms are for BI, PD, and intentional/dishonest acts.
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Tech E&O insurance, also known as technology errors and omissions insurance, is designed to protect your business against claims related to errors or oversights in the design, development, and/or delivery of your technology products and services
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Cyber coverage is for costs associated with data breaches and other cyber risks. These costs can include, among others:
Investigation costs
Third party notification (customers, vendors, and others affected)
Regulatory fines
Credit monitoring for affected individuals
IT forensic costs
Public relations and reputation management
Ransom payments
Business interruption costs and similar financial losses
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Directors and officers (D&O) liability insurance protects the personal assets of corporate directors, officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company.
Directors and Officers Liability Insurance
Side A
Side A DIC
Side B
Side C (Entity cover for private and publicly traded companies)
Automotive Insurance
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MTPL contracts provide indemnity cover to the owner of the motor vehicle against compensation payable to third parties for property damage, death or personal injury.
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Protects vehicle against all risks that may result in damage, destruction or disappearance, except for risks that are excluded from the terms and conditions.
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Covers compensation in the event of death due to a traffic accident or permanent disability resulting from an accident.)
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Covers assistance such as vehicle towing, vehicle replacement, the hotel’s cost in case of malfunction abroad, etc.
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Covers the costs of defense of a driver who caused a traffic accident in criminal proceedings if the conditions for loss of rights from insurance or conditions for exclusion from insurance have not been met.
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The driver's compensation for bodily injuries is covered in case he is responsible or co-responsible for the traffic accident. In the event of the death of the insured (driver), the relatives are paid compensation for the mental pain suffered and the funeral expenses.
Transport and Logistics
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Cargo insurance is the method used in protecting shipments from physical damage or theft. In fact, insuring cargo ensures that the value of goods are protected against potential losses which may occur during air, sea or land transportation.
The movement of goods across the world comes with certain risks. These risks are mitigated through insurance coverage since there is no guarantee that damage or loss will not occur.
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Logistics providers are facing a liability trap: statutory provisions, general terms and conditions or individual contracts may cause it to snap shut at any moment. Logistics companies are often not aware of this when they accept orders. In most cases, the service provider not only needs to cover the services rendered by it directly but is also liable for all companies involved in performing the order.
Marine
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Hull Insurance
Liability for damage due to the death of a third party while operating the vessel
Liability for injury to the body or health of a third party while operating the vessel
Liability for damage or destruction of third party’s property while operating the vessel
Responsibility for the personal belongings of passengers in the cabin
Liability for damage caused by the Insured's activity during the use of the vessel for private purposes
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Commercial boat insurance
Skipper insurance
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Boat yards and services
Charter companies
Charter agents
Management companies (MYBA membership)
Marinas and harbours
Employee benefits
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An identifiable physical injury which is caused by a sudden, unexpected, specific event occurring at an identifiable time and place during the period of insurance and which results in the death, disablement or permanent total disablement of an insured person.
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Additional health Insurance
Supplementary health Insurance
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Voluntary pension savings are the only form of saving which includes two types of state incentives: state incentive funds and tax incentives for employers. The Republic of Croatia encourages pension savings, that is, voluntary pension savings, and approves the incentive to all members of III pillar in the amount of 15 % of the annual payment, up to a maximum of HRK 5,000.00, that is, the highest state incentive can amount to HRK 750.00. Every resident and national of the Republic of Croatia has the right to receive such incentive. Such right can also be realized by members who are not nationals of the Republic of Croatia provided that they are residents of one of the EU or EEA Member States. However, they can exercise such right only during the period that they pay compulsory pension insurance – II pillar in the Republic of Croatia. The supervision of legitimate identification and use of incentives is performed by the Ministry of Finance. The membership in a voluntary pension fund offers its member the option of voluntary pension savings being paid by his employer. All payments made by the employer in III pillar of pension insurance up to the monthly amount of HRK 500, that is, up to HRK 6,000 a year, are not considered a salary. That amount is considered a tax-recognized expense or employer’s expense.
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Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while travelling. These losses can be minor, like a delayed suitcase, or significant, like last-minute trip cancellation or a medical emergency overseas.
In addition to financial protection, the other huge benefit of travel insurance is access to assistance services, wherever you are in the world.
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Life insurance is a specific insurance product that incorporates insurance and a savings and investment component.