POFILE

ABOUT US


Newly founded “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.

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.

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At the end of the day the goals are simple,
safety and security!

 

OUR OFFER

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:
construction
Property and Construction Risk Insurance
business
Liability Insurance, Business Interruptions
machinery
Motor and Machinery Insurance
marine
Marine
agriculture
Agriculture and Livestock Insurance
credit
Credit Insurance
cyber
Cyber
Health-insurance
Health insurance
health
Medical expenses
insurance
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 TEAM

MANAGEMENT TEAM

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.


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IGOR FRANOV

Sales Director

Experienced executive, with over 25 years’ in leading Croatian insurance company (Croatia osiguranje d.d.) brings both specific underwriting knowledge and deep understanding of most complex risk evaluations and mitigation strategy.

Specializes in Industrial Special Risks, Agriculture and Livestock insurance providing effective insurance solutions to specific industry groups.

Igor studied at University of Rijeka, Faculty of Management in Tourism and is currently attending his MBA program at Zagreb University.


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