Just as we have a need to create, there is also a real need to protect property from various types of risks. Risk management is very important, both in private life and in the business field.
This brings us to the topic of insurance, i.e. to the area where we can provide you with professional help in order to protect your property in the best possible way, with minimal costs.
Property insurance against fire (fire, storm, hail, explosion, lightning strike, impact of own vehicle, events and demonstrations, aircraft crash) is part of the basic insurance. Within it, you have the option of contracting supplementary insurances, such as: spillage of water from installations, flooding, torrential and high water, landslides, etc.
In addition, there are many other insurance options that you can use to insure both private and your company's property, such as: earthquake insurance, burglary and robbery, machinery breakage, glass breakage, liability to third parties, money manipulation insurance, inventory insurance in refrigerators, insurance of computers and computer equipment, etc.
There is a possibility of contracting risks: business interruption insurance (such a policy protects your company from financial losses that may arise due to the fact that you are temporarily unable to perform your activity (e.g. due to damage caused by fire)). The mentioned policy can compensate fixed costs of business as well as lost profits during the period when you were unable to perform its business.
We are ready to put our knowledge and experience at your disposal in order to design an appropriate insurance policy for your property that protects you from risks that can truly damage or destroy your property.
Casco insurance offers you various levels of protection (it covers the entire range of risks that are divided into appropriate packages) of the vehicle against damage or complete destruction due to unforeseen traffic situations. Regardless of who caused the traffic accident. The vehicle is insured while driving, in the parking lot or when it is at rest.
With Casco vehicle insurance, you can also contract the "Roadside Assistance" option, which is available 24 hours a day. By calling the appropriate helpline number, you activate the contracted option that covers a wide range of support. And that is: the organization of assistance for a broken down vehicle, vehicle repair, vehicle towing (if it is not in driving condition), rental of a replacement vehicle, accommodation for the driver and passengers, transportation of the driver and passengers to their residence, etc.
Carrier's liability insurance for damage caused during the transportation of goods. The mentioned policy is intended for companies engaged in the transportation of goods and is a necessary policy that covers traffic risks to which transporters are exposed while performing their activities.
According to the needs of the contract carrier, the appropriate package of risks that are covered, the appropriate limit of coverage, the participation in the damage of the insured, as well as the territorial coverage of the policy, are defined.
Owners of certain goods have an interest in protecting their property that is in the vehicle and that is exposed to various risks during transport. These are: fire, weather, traffic accident, damage during shipping, theft. Depending on the type of goods, their characteristics, the value of the goods, the method of transport, the type of means of transport, the appropriate policy for the insurance of goods in transport is drawn up.
What can you insure?
● Cereals
● Industrial plants
● Vegetables
● Grapes and fruit
● Medicinal, ornamental and herbs
● Fodder plants, grasses
● Planting material
● Willows for weaving, reeds, etc
What risks can be insured?
● Basic insurance: hail, fire and lightning
● Storm
● Frost
● Flood
● Loss of quality in table grapes and fruits due to the risk of hail
● Insurance of fruit trees-seedlings or vines
● Loss of income
● Loss of seed quality
● Drought insurance
In addition to insuring crops and fruits against crop loss (yield), there is the possibility and opportunity to insure the entire property on your Agricultural Holdings (Farm) with one policy (buildings, agricultural machines and mechanization, stocks of finished products, stocks of raw materials, fuel, spare parts, video surveillance, protective nets, production equipment, etc.).
You can protect Agricultural Holding’s (Farm's) property against the basic risk - fire (fire, lightning strike, storm, hail, explosion), additional risk: flood and torrential rain, landslide, as well as the risk of burglary and robbery, broken equipment, broken glass, earthquake etc. The possibilities of protection are great, it is up to you to recognize them and protect your property as much as possible.
Leave the risks to the insurance companies, we will help you manage the risks wisely and economically by using appropriate insurance policies. Build your future on solid foundations and selected insurance policies!
Livestock production is complex because it must combine the most up-to-date knowledge, positive practice, numerous experiences in the field of breeding, nutrition, proper breeding of livestock, as well as preventive action in order for production to be economically justified and bring profit.
Agricultural animal insurance covers numerous animal species such as: cattle, pigs, goats, sheep, horses, poultry, fish and bees.
The insurance covers the risks of death of the insured animal or the risk of forced slaughter due to illness or an accident. Additional insurance can be insurance for animals against the consequences of childbirth (loss of a calf or foal during childbirth), loss of reproductive ability of heifers and male breeding cows, as well as insurance against dangerous infectious diseases (pig plague). All the mentioned risks are certain and present as a constant danger that, in a certain way, should be kept under control.
Payment of insurance premiums for animals is subject to state support through appropriate subsidies for registered Agricultural Holdings, which directly affects the significant reduction of insurance costs.
Modernly organized production on Agricultural Holdings implies high-quality risk management, i.e. the use of adequate animal insurance policies that introduce a stability factor into the farm's financial operations and provide the opportunity for stable and continuous operations, which is an imperative for every household.
A healthy person has many wishes, while a person with health problems has only one wish. To be healthy. The fact is that we live in a modern world that dictates an accelerated pace of life and business, creates a multitude of daily obligations and challenges, and therefore directly affects the consumption of our precious resources. Our health.
We are aware of the fact that in moments of illness and impaired health, it is most important for us to receive timely, fast, efficient and quality healthcare. The best possible way to meet those requirements is to contract voluntary health insurance (VHI) for yourself and your family (as natural persons) or to contract VHI insurance as a legal entity for yourself, your family members and employees of your company.
The benefits of VHI insurance are obvious. We have at our disposal a wide network of private health institutions in Serbia where we can schedule a medical examination (24h/7), quality and fast service by professional medical staff, modern treatment methods, application of high-tech medical equipment, and as a result of the above (shortened treatment and recovery time from illness).
There are several packages of VHI (hospital, hospital and outpatient treatment) as well as different sums of insurance (limits) for the insured person.
Contracting a regular, annual systematic examination is an integral part of the VHI package, and in this way it is possible to act preventively and detect a disease that is in its initial phase in time, so there is a very high possibility of a complete recovery.
Accident insurance is a legal obligation of the employer. Employees are exposed to daily risks depending on the type of activity they perform. According to the degree of exposure to risks, they are divided into 3 categories.
The employee insurance policy covers the entire territory of the Republic of Serbia, is valid 24 hours a day, during the whole year and covers various risks such as: death due to an accident, death due to illness, disability, costs of a hospital day, costs of hospital treatment, broken bones, serious illnesses, surgical interventions etc.
Based on our experience, we suggest you a flexible solution that covers the fluctuation of the workforce and does not require additional time during the year for the preparation of additional documents (annexes).
Namely, there is a possibility to contract the employee accident insurance policy based on the personnel records of the insurance policyholder. In practice, this means that all employees are insured against accidents on the day of contracting the accident, while in case someone leaves the company, the accident insurance policy ceases to be valid for him. On the other hand, all new employees who start working in the company during the year have an automatically contracted accident insurance under the same conditions as the rest of the collective.
In agreement with you, we will consider the risks that will be covered, agree on the insurance sums for which the employees are insured, determine the categories of danger for certain groups of workers and in this way form an appropriate inquiry. We will forward the information to the relevant insurance companies and, based on the received information offers, we will choose the most optimal option for insuring your team.
Damages caused to third parties are covered by general liability insurance (own damages are not covered). These include: material, non-material damages (physical or psychological damages), pure financial damages. This type of insurance can be contracted by a natural person, a legal entity or an entrepreneur.
The policy stipulates a limit per harmful event (sum insured), which is the upper limit of the insurer's obligation per insured event. It is not recommended to contract an amount lower than EUR 5,000. A limit of EUR 30,000 is recommended for entrepreneurs, while a limit of EUR 50,000 is recommended for limited liability companies.
In the case of manufacturing, catering, car service, school and construction activities, it is recommended that the employees are also covered by this policy, because in this way (if an employee is injured), the employer protects himself from possible lawsuits and significantly higher amounts of compensation that may be the subject of claims in court case.
When a harmful event occurs, the insurance company (which issued the insurance policy) represents its client in a court case (the client never makes any independent statements on the topic of the harmful event and does not enter court cases without the knowledge of the insurance company) and fights as much as possible so that the compensation costs are within the framework of the existing policy.
Professional liability insurance covers pure financial damages that occurred as a result of professional error and refers to the following types of professions: lawyers, architects, brokers, accountants, auditors, notaries public, designers, construction contractors, security services, professional building managers. The mistake does not have to be made intentionally or as a result of ignorance, but the nature of the work is such that the damage cannot be excluded or predicted in advance.
Product liability covers damage caused by death, body injury or impairment of health, damage or destruction of property of third parties, which resulted from the use of a defective product. This policy covers physical injuries (non-material damage), property damage, material damage as well as consequential financial damage.
Liability insurance for damages during the transportation of dangerous goods covers the liability of the insured for damages caused to third parties, their property or the environment during the transportation of dangerous goods. The insurance subject of this policy is also the costs necessary to determine the cause, scope and amount of damage, costs of disputes and necessary legal actions and procedures by which the insured company defends itself against high compensation claims.
Travel insurance is an important element when planning and realizing our trips abroad. Each of us expects that only positive emotions and memories bind us to the vacation, but if we do not have contracted travel health insurance, we may have large costs in the case unforeseen problems with our health, injuries that require medical assistance and care, and in more severe cases, hospitalization.
Creating a travel insurance policy is quick. You need to have a valid travel document with you and choose the appropriate coverage for medical expenses abroad, which depends on the destination you are travelling to. The amount of the insurance premium depends on the age of the passenger, the destination you are travelling to, the number of days spent abroad as well as the amount of coverage you have contracted.
It is also possible to contract additional coverage that covers the costs of treatment for COVID-19, additional coverage for skiers, construction workers, etc.
For people who, due to the nature of their work, often travel abroad and during the year spend e.g. for 45-60 days outside the country, a special travel insurance policy can be contracted, which is valid for one year, and within that one year, the traveler has the opportunity to stay, e.g. 60 days abroad.
In this way, business people have the convenience of having their travel insurance valid for 365 days and up to the agreed limit (e.g. 60 days) they can stay abroad and use the annual travel insurance policy.
When taking out a travel insurance policy, always pay attention to the exclusions. Cases when you cannot use the policy to cover certain costs, the insurance sums, the limits up to which you have the possibility of charging medical expenses, as well as the fact that the data from the travel insurance must match the corresponding data from your valid travel document (passport).
In addition, the basic rule is that, in case of need, you should call the number of the assistance center indicated in your policy, report health problems and then get information on the location of the nearest health facility where you can receive appropriate medical assistance. After returning to Serbia, contact the insurance company with a request for reimbursement of the possible costs of purchasing certain prescription drugs.
In the case you do not follow the above-mentioned procedure and on your own, without a doctor's examination and prescription, you buy medicines in a pharmacy, those costs won’t be recognized and you are not entitled to a refund from the insurance companies.
In any case, the cost of travel insurance is negligible compared to the cost of treatment abroad, so don't let one small but significant detail (lack of travel insurance policy) spoil your stay abroad and turn it into an adventure with an uncertain ending.