Horizont was founded in 2019. in Zagreb. Our team is formed of authorized, independent specialists who perform brokerage activities in insurance and reinsurance mediation.
Obavljamo brokerske poslove posredovanja u osiguranju i reosiguranju.
We detect insurance risks that could endanger your life and/or your business.
We analyze your existing insurance contracts and we adjust them according to your needs.
We negotiate with insurance companies for you.
We analyze the market and propose the most optimal insurer.
We create individual insurance solutions.
We take care of all your insurances.
1. Who is an insurance broker?
An insurance broker is an independent professional who represents clients in search of the best available insurance policy for their needs. Brokers work closely with their clients to research coverage, terms and price.
2. What does an insurance broker do?
An insurance broker will analyze your situation and help you identify the risks you are exposed to. He will advise you on which insurance products are available for the listed risks, and at your request, you will seek insurance that suits your needs from any insurer in the market. The broker will discuss various options with you and help you choose the one that is best for you. Once you have reached an agreement, you will set the cover with the selected insurer and you will arrange the documentation.
The broker will also help you with general insurance tips and will keep an eye out for any policy change. In the event of a claim, the broker will assist you in filing a claim and will establish a link between you and the insurer, in order to resolve the claim successfully.
3. Why hire a broker?
An insurance broker is an independent insurance specialist who has significant expertise in the insurance market, as well as access to the most reputable insurers who provide professional and objective advice on identifying and exposing risk and recommending the best cost-effective solutions.
4. Who supervises the business of insurance brokers?
Supervision over the operations of insurance intermediaries is performed by the Croatian Financial Services Supervisory Agency (HANFA), which, if the broker does not operate in accordance with the Insurance Act, may revoke the decision on approval for his work.
5. What is the difference between a broker and an insurance agent?
The broker works exclusively in the name and for the account of his client, while the agent works in the name and for the account of the insurer. The intermediary (broker) seeks the most favorable option in the entire insurance market in order to find or create an insurance solution tailored to the needs of his client, while the agent presents to the prospective client standardized products offered by the represented insurer.
Do you need help?
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