Proposal of an insurance solution, insurance contract
After the risk assessment and analysis of the contracted insurance policies, Qualis Protectus will propose an individual insurance solution tailored to the Client’s specific needs, and in order to adequately insure the Client’s business, employees and assets, which is helped by our long-term experience and work in insurance and claims affairs with clients from various industries.
NEGOTIATIONS WITH INSURANCE COMPANY
In order to ensure a good price and the best protection for the client,
We deal with the initiation, proposal or performance of preparatory work for concluding an insurance contract, providing assistance in the exercise of rights from insurance contracts, and in particular in resolving compensation claims addressed to the insurance company.
ACTIVITY CENTER
At the center of our activities are clients and their individual risk exposure and needs for insurance solutions. Our aim is to provide measurable added value and develop long-term business cooperation with clients. As independent insurance brokers, we seek the best solutions on the local and international insurance market.
How we work
The client signs the authorization (natural and legal persons) to carry out distribution work in insurance and reinsurance.
It gives us the authority to analyze the current coverage for the client, propose improvements, enter the insurance and/or reinsurance market and create an insurance coverage proposal that is tailored to the needs of that client.
It is important to emphasize that during this process we insist on getting to know the client more deeply, we try to find out where he is most exposed and which part of the risk in his business he wants to transfer to (re)insurance, all in order to protect him to the maximum.
We deliver the proposal of improved insurance coverage and a complete analysis to the client, as well as the proposal of the insurer that offers the above in the best ratio.
We emphasize that our advice is professional advice, but also that the client retains the right to choose the insurance provider.
In that case, our job is to obtain the proposed coverage from the chosen insurer.
We emphasize – we work for the client and not for the insurer.
How are we charged?
We emphasize that our service is free for the client and that we are paid by the Insurer, as well as by other internal or external acquisition channels.
The insurance premium does not become more expensive through the engagement of a broker.
What types of insurance can you contract with the engagement of a broker?
With our engagement, you can contract all types of insurance present on the Croatian insurance market, but also everything that cannot be contracted on our market or is not available as a product.
In that case, our job is to find the coverage you need/want on the European market, and with Croatia’s entry into the EU, that has become possible.
Now you can also be insured with foreign insurers that do not operate in Croatia as a joint-stock company or as a branch of a foreign company, but operate through the so-called “Freedom of Service” directive.
In this way, all of us have been given a greater opportunity to choose insurance coverage and special insurance products.
What are insurance broker jobs?
At the request of the party, we carry out insurance distribution or reinsurance distribution for the purpose of concluding an insurance contract or reinsurance contract, and in accordance with the request of the party.
We provide assistance to the insurance policyholder, the reinsurance policyholder, or the insured in the performance of rights and obligations from the insurance contract during the duration of the insurance or reinsurance contract, both before and after the insured event occurs.
We make sure that the insurance policyholder, reinsurance policyholder, or the insured takes all legal actions that are essential for the preservation or realization of rights based on the insurance or reinsurance contract within the deadlines set for taking these legal actions.
We constantly check the insurance and reinsurance contracts concluded by the insurance and reinsurance policyholder on the basis of our distribution and we make proposals for amending the insurance and reinsurance contracts for the best possible protection when necessary.
