Running a business in Croatia comes with opportunities — and responsibilities.
Whether you are a foreign-owned company, a local branch, or a small enterprise providing services in Croatia, having the right insurance coverage is essential to protect your operations, employees, and financial stability.
At Insurance Brokers Croatia, we provide complete business insurance solutions — from basic liability cover to complex, multi-risk commercial policies.
We help you identify exposures, evaluate risks, and secure reliable protection through top Croatian and international insurers.

Property and Operational Coverage

Every business relies on physical assets — offices, warehouses, machinery, and stock.
We help protect these assets against a wide range of risks, including:

• Fire, explosion, storm, flood, or water damage
• Theft, vandalism, or accidental loss
• Machinery breakdown and electrical damage
• Business interruption and loss of income due to insured events

This ensures that if an unexpected event stops your operations, your business can recover quickly with minimal financial loss

Liability Insurance

Liability risks exist in every industry.
We provide tailored liability policies that protect your company from claims arising from injury, damage, or negligence during your business activities.
Our range of liability solutions includes:

• General Third-Party Liability – protection against injury or property damage to others caused by your business activities or employees.
• Employer’s Liability – covers compensation claims from employees for work-related injuries or illnesses.
• Product Liability – for manufacturers, importers, and distributors in case a product causes harm or damage.
• Professional Indemnity – for consultants, engineers, and service providers facing claims due to professional errors or advice.

We make sure your liability protection aligns with both Croatian legal requirements and international standards

Construction All-Risk Insurance

For construction and development projects, we offer specialised coverage protecting both contractors and investors.
Typical protection includes:

• Damage to buildings and materials during construction
• Liability for injury or damage to third parties at the construction site
• Machinery and equipment on site
• Coverage during testing and handover phases

We assist in designing policies that meet project-specific requirements, including those of public tenders or international partners

Sector-Specific Business Coverage

Different industries face different risks.
We arrange business insurance tailored for key sectors in Croatia, including:

• Tourism and hospitality – hotels, restaurants, travel agencies, and charter companies
• Retail and commerce – protection for shops, warehouses, logistics, and supply chains
• Professional services – accounting, consulting, legal, and IT firms
• Manufacturing and production – coverage for equipment, inventory, and liability risks

Our team helps you build a balanced insurance programme that protects your assets, revenue, and reputation

Group Accident and Employee Insurance

Protecting your employees means protecting your business.
We provide:

• Group accident insurance for work-related injuries or accidents
• Employee health and travel insurance for domestic and international assignments
• Key person insurance for business owners or management

These policies help strengthen employee security and demonstrate your company’s commitment to safety and welfare

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Business Interruption & Financial Protection

Even the best-managed businesses can face downtime due to unexpected events.
Business Interruption Insurance covers loss of income and fixed expenses when operations are halted by an insured event such as fire, flood, or equipment failure.
Additional financial protection options include:

• Credit insurance – for unpaid invoices or customer insolvency
• Cyber risk insurance – covering data breaches, ransomware attacks, and IT system downtime
• Directors & Officers (D&O) insurance – protecting company directors and managers against legal claims related to their management decisions

Why Work With Us

Every company is unique — which is why our approach starts with understanding your operations, risk tolerance, and compliance needs.
As an independent broker, Insurance Brokers Croatia is not tied to any single insurer.
We work on your behalf to compare offers, negotiate terms, and secure coverage that provides the best value and protection for your business.
Our mission is simple: to help your business in Croatia operate with confidence, continuity, and security

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