POFILE
ABOUT US
“ZERO RISK” is a team of 20 years’ experienced executives, coming from the regional background insurance giants, bringing their significant reputations, to provide you with the platinum insurance experience.
At ZERO RISK Insurance’s Zagreb office we combine local knowledge with global expertise. We offer insurance coverage to large corporate, mid-sized and small businesses through a broad range products supported by fair and efficient claims handling, loss control engineering and an analytics team.
Our tailor-made solutions based on individual risk profiles are sealed with skill, diligence and trust and create partnerships between client, broker and insurer.
+38516148 309
OFFERING
ANALYSIS & RISK
ASSESSMENT
We focus on client, its industry sector and then narrow it down to its own unique business model, organizational structure and key factors that define its individual risk profile.
Considering your past claims we analyze and asses your risk exposure and recommend loss control and risk mitigation.
At the end of the day the goals are simple,
safety and security!
OUR OFFER
OUR SPECIAL OFFER valid until 13.12.2024
Comprehensive
Health Insurance Packages Allianz insurance
Fast, Affordable, and Simple!
Frequently Asked Questions (FAQ)
• You need to have an OIB (Croatian ID) and MBO number (your health insurance registration)
• For people aged 18-60 years.
• Package A + B: Covers Package A benefits, plus additional coverage for medications on HZZO's B list (up to 2 packs per year)
• Optional add-ons:
o Daily allowance for hospital treatment.
o Home care.
o m-Doctor (free for the first year).
• Allianz also includes benefits like m-Doctor, which allows for online medical consultations.
• Extra: Includes all of Comfort 2 plus coverage for specialist consultations and therapies (up to 531 EUR).
• Max: The most comprehensive package, offering higher limits on diagnostic procedures (CT, MRI), dental treatments, and small surgeries.
1. Full Name
2. Address
3. OIB (Personal Identification Number)
4. MBO (HZZO Registration Number)
5. Date of Birth
6. Email Address
7. Mobile Phone Number
Once we have this information, we can finalize your policy via email—no need for an in-person meeting!
• Pay annually with a 10% discount for Dopunsko or 5% discount for Dodatno packages.
• You can pay in installments via SEPA, credit cards (with installment plans), or full payment via cards or e-payment.
Our company provides targeted solutions to cover risks, from the most familiar to the most complex.
For mid-sized to multinational clients ZERO RISK offers insurance lines-including:
Liability Insurance, Business Interruptions
Motor and Machinery Insurance
Property and Construction Risk Insurance
Marine
Agriculture and Livestock Insurance
Credit Insurance
Cyber
Health insurance
Medical expenses
Personal accidents
CLAIMS MANAGEMENT
We provide our claims management service not only to our clients but also as a stand-alone service.
Our knowledge and experience in claims handling can give you an equal footing with insurers experts. We know the right questions to ask, how much information to disclose and how to present it to settle your claim as swiftly as possible. We will challenge unnecessary claims procedures to ensure your interests and not the insurers, drive the settlement.
MEET OUR MANAGEMENT
MANAGEMENT
Leonarda
Horvat
Founder and CEO
Has over 20 years’ experience in insurance industry starting in 1998. as a co-owner of insurance agency specialized in creating and implementing insurance solutions for leasing industry. From bundle insurance packages tailored for individuals, to specific solutions for motor fleets, machinery, marine and real-estate insurance products, she helped develop an over-all protection from which benefited both, leasing company and end-users.
Joining the Raiffeisen Group in 2010. as a President of the Board of insurance brokerage company Raiffeisen Bonus Ltd, her field of expertise broadened to financial lines such as Fidelity Crime insurance, Cash in Transit, Credit insurance, Directors & Officers liability and Professional Indemnity.
Entrepreneurial at heart, beginning 2019. she founded ZERO RISK and continues to create premium insurance solutions to small, mid-sized and large corporate clients with her diligent expert team.
Leonarda studied at University of Zagreb, Faculty of Economics where she also finished her MBA program in 2011.
