Broader picture, better insurance

Complex times require smart solutions

In complex and unpredictable times, it is important to have a professional insurance partner in which you have complete trust.

A detailed analysis and a professional and objective assessment of potential business risks will result in smarter policies.

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In 3 steps to the optimal insurance policy

ANO adapts the service to your specific needs.

Analysis

Policy negotiation

Support

See a list of activities for each phase

Info corner

Winter equipment

Colder days are coming soon, and with or without snow, we still have to abide by the "Road Traffic Safety Act".

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By insuring receivables, a company is protected from the risk of non-payment, whether it is caused by a customer’s bankruptcy (loss of receivables due to a pre-bankruptcy settlement is included) or a customer’s diminished financial situation which may lead to extended payment delays.

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Claims - Professional assistance related to claims

You have taken out an insurance policy with an ANO broker or with an insurer directly, but you feel uncertainty or need professional help with the collection of the claims incurred. ANO’s team of experts is at the disposal of all policy holders, regardless of whether they are our clients or not.

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Examples of savings with wider policy coverage with ANO brokers

Take a look at cases in which we have reduced insurance premiums for our clients while providing the same or greater coverage and find out which options they were offered.

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Work process

We are very committed to our work, so we have developed a uniform work process. Do you prefer visual explanations? Do you want to know all the details? Check out the set-up of the ANO broker's work process by clicking on the link below.

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frequently asked questions

What is the first step? Am I paying anything extra?

Working with an insurance broker sounds great, but you still have doubts. See our "Frequently Asked Questions" section. We believe that you will find all the necessary answers and get the desire to at least have a coffee with us.

frequently asked questions

ANO

Why choose ANO?

You know that there are many insurance brokers in the market. What sets ANO apart from others and why choose us? We like to say we are different and we are proud of that. Our team consists of dedicated and professional people who always work in your interest. We provide a broader picture of the risks you are exposed to in business and offer the best solutions that will save you time and money.

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Razlika između Osiguratelja / Zastupnika i Brokera u osiguranju?

Osiguratelj / Zastupnik

Broker u osiguranju

Assesses risk primarily for policy drafting purposes.

Assesses the risks of your entire business in detail.

Offers policies only from his portfolio.

Analyzes a large number of insurers and their products in the domestic and foreign markets. Introduces the client to the options and suggests the optimal policy.

The insurance premium is generally predetermined. Coverages are standard for his policy.

Negotiates the optimal combination of premium and coverage in the insurance market for the client.

Offers exclusively the policies of the parent company, i.e. the insurer it represents. The agent works on behalf and for the benefit of the insurer.

Works in the interest of the client. Offers a wider selection of policies from different insurers that he deems best to meet the client’s needs.

In the event of damage, the representative does not actively participate in resolving it.

Provides professional support even after conclusion of the policy. In the event of damage, he protects only the interests of his client.

Our services

INSURANCE

Risk assessment and insurance

REINSURANCE

Access to all reinsurance markets

CLAIMS

Assistance in exercising rights

HUMAN RESOURCES

Human resources consulting

Complex times require smart solutions

My Ano

Online opportunities

You have recognized all the benefits of hiring an ANO insurance broker. Great. To make it even easier for you to communicate with us, get information, monitor the status of your policies and reported damages on our developed and sophisticated online platform My Ano. Applying for My Ano is extremely easy and simple.

MOJ ANO pruža vam mogućnosti da:

Access all your insurance policies.
Monitor the status of reported claims.
Save and, if necessary, print your policies.
Export all data to Excel, for analysis and reporting purposes.
Inspect your policies and damages at any time.

Not one for online apps? Do you prefer the human voice on a good old phone? Would you rather correspond by e-mail? No problem, you can always contact us that way.

+385 1 4558 780

ano@ano.hr