{"id":557,"date":"2026-02-26T14:24:37","date_gmt":"2026-02-26T13:24:37","guid":{"rendered":"https:\/\/www.lab3.si\/areas-of-expertise\/"},"modified":"2026-04-10T20:04:49","modified_gmt":"2026-04-10T18:04:49","slug":"areas-of-expertise","status":"publish","type":"page","link":"https:\/\/www.lab3.si\/en\/areas-of-expertise\/","title":{"rendered":"Areas of Expertise"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;3&#8243; bottom_padding=&#8221;3&#8243; back_image=&#8221;419&#8243; back_attachment=&#8221;scroll&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;20&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;891508&#8243; css=&#8221;.vc_custom_1775234628479{padding-top: 36px !important;padding-bottom: 36px !important;}&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_visibility=&#8221;yes&#8221; medium_width=&#8221;0&#8243; mobile_visibility=&#8221;yes&#8221; mobile_width=&#8221;0&#8243; width=&#8221;1\/3&#8243; uncode_shortcode_id=&#8221;199836&#8243;][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;2\/3&#8243; uncode_shortcode_id=&#8221;862240&#8243;][vc_custom_heading heading_semantic=&#8221;h1&#8243; text_font=&#8221;font-131717&#8243; text_size=&#8221;fontsize-710820&#8243; text_weight=&#8221;600&#8243; text_transform=&#8221;uppercase&#8221; uncode_shortcode_id=&#8221;190605&#8243;]Areas of Expertise[\/vc_custom_heading][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_font=&#8221;font-131717&#8243; text_size=&#8221;h3&#8243; text_weight=&#8221;700&#8243; text_transform=&#8221;uppercase&#8221; text_height=&#8221;fontheight-105379&#8243; text_space=&#8221;fontspace-202850&#8243; uncode_shortcode_id=&#8221;214631&#8243;]Diverse Industries and Tailored Approach[\/vc_custom_heading][vc_column_text text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;133431&#8243; css=&#8221;.vc_custom_1775234662625{margin-top: 20px !important;}&#8221;]LAB3 works with companies and organizations from various economic and public sectors. Our clients come from manufacturing and service industries, logistics and transport, energy, construction, as well as finance, public administration, and other private and public organizations. <\/p>\n<p>We adapt our procedures for obtaining and processing insurance proposals to the specific needs of each client. Depending on the scope and nature of the insurance program, we either obtain proposals directly from domestic or foreign insurance companies or prepare professional insurance-technical documentation for public procurement procedures.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; top_divider=&#8221;gradient-soft&#8221; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;150625&#8243; css=&#8221;.vc_custom_1772549345334{padding-top: 50px !important;padding-bottom: 50px !important;}&#8221;][vc_column width=&#8221;1\/3&#8243;][vc_custom_heading text_color=&#8221;color-nhtu&#8221; heading_semantic=&#8221;h3&#8243; text_font=&#8221;font-131717&#8243; text_size=&#8221;h3&#8243; text_weight=&#8221;700&#8243; text_transform=&#8221;uppercase&#8221; text_height=&#8221;fontheight-105379&#8243; text_space=&#8221;fontspace-202850&#8243; uncode_shortcode_id=&#8221;730657&#8243; text_color_type=&#8221;uncode-palette&#8221;]Our Service[\/vc_custom_heading][vc_column_text text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;100163&#8243; css=&#8221;.vc_custom_1773843580426{margin-top: 20px !important;}&#8221;]Our service encompasses both standard insurance coverage and specialized solutions tailored to more complex risks. Every engagement is based on an individual approach, as we believe that quality risk analysis is the foundation for effective and long-term appropriate insurance arrangements. In our work, we ensure constant availability and responsiveness to clients.[\/vc_column_text][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;3&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/3&#8243; uncode_shortcode_id=&#8221;943216&#8243;][vc_custom_heading text_color=&#8221;color-nhtu&#8221; heading_semantic=&#8221;h3&#8243; text_font=&#8221;font-131717&#8243; text_size=&#8221;h3&#8243; text_weight=&#8221;700&#8243; text_transform=&#8221;uppercase&#8221; text_height=&#8221;fontheight-105379&#8243; text_space=&#8221;fontspace-202850&#8243; uncode_shortcode_id=&#8221;239147&#8243; text_color_type=&#8221;uncode-palette&#8221;]Our Approach[\/vc_custom_heading][vc_column_text text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;202884&#8243; css=&#8221;.vc_custom_1773842522563{margin-top: 20px !important;}&#8221;]When working with each client, we start from the specifics of their business and associated risks. We continuously monitor the development of insurance products and modern forms of coverage, providing clients with solutions that are aligned with current practice and market opportunities.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_single_image media=&#8221;573&#8243; media_width_percent=&#8221;100&#8243; uncode_shortcode_id=&#8221;166082&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;3&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;color-nhtu&#8221; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;167872&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;justify&#8221; gutter_size=&#8221;2&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; uncode_shortcode_id=&#8221;822334&#8243;][vc_row_inner][vc_column_inner column_width_percent=&#8221;100&#8243; gutter_size=&#8221;2&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;482256&#8243;][vc_separator sep_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;209932&#8243; sep_color_type=&#8221;uncode-palette&#8221;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h6&#8243; text_weight=&#8221;700&#8243; text_transform=&#8221;uppercase&#8221; text_space=&#8221;fontspace-202850&#8243; uncode_shortcode_id=&#8221;759506&#8243;]Industries We Cover[\/vc_custom_heading][vc_separator sep_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;529432&#8243; sep_color_type=&#8221;uncode-palette&#8221;][uncode_list larger=&#8221;small&#8221; uncode_shortcode_id=&#8221;848125&#8243;]<\/p>\n<ul>\n<li>MANUFACTURING<\/li>\n<li>RETAIL<\/li>\n<li>LOGISTICS AND TRANSPORT<\/li>\n<li>TOURISM<\/li>\n<li>FOOD INDUSTRY<\/li>\n<li>CONSTRUCTION<\/li>\n<li>IT AND TECHNOLOGY COMPANIES<\/li>\n<li>PUBLIC ENTERPRISES AND PUBLIC SECTOR<\/li>\n<li>ENERGY<\/li>\n<li>RENEWABLE ENERGY<\/li>\n<li>FINANCIAL INSTITUTIONS<\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_column_inner][\/vc_row_inner][vc_separator sep_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;278075&#8243; sep_color_type=&#8221;uncode-palette&#8221;][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;justify&#8221; gutter_size=&#8221;2&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; uncode_shortcode_id=&#8221;181403&#8243;][vc_row_inner][vc_column_inner column_width_percent=&#8221;100&#8243; gutter_size=&#8221;2&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;193463&#8243;][vc_separator sep_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;209932&#8243; sep_color_type=&#8221;uncode-palette&#8221;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h6&#8243; text_weight=&#8221;700&#8243; text_transform=&#8221;uppercase&#8221; text_space=&#8221;fontspace-202850&#8243; uncode_shortcode_id=&#8221;151153&#8243;]Insurance Solutions[\/vc_custom_heading][vc_separator sep_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;529432&#8243; sep_color_type=&#8221;uncode-palette&#8221;][uncode_list larger=&#8221;small&#8221; uncode_shortcode_id=&#8221;371420&#8243;]<\/p>\n<ul>\n<li>PROPERTY INSURANCE<\/li>\n<li>LIABILITY INSURANCE<\/li>\n<li>VEHICLE AND FLEET INSURANCE<\/li>\n<li>DIRECTORS AND OFFICERS INSURANCE (D&amp;O)<\/li>\n<li>EMPLOYEE INSURANCE<\/li>\n<li>ACCIDENT, HEALTH, PENSION<\/li>\n<li>TRANSPORT INSURANCE<\/li>\n<li>CONSTRUCTION AND ERECTION INSURANCE<\/li>\n<li>CYBER INSURANCE<\/li>\n<li>SURETY INSURANCE<\/li>\n<li>INTERNATIONAL PROGRAMS<\/li>\n<li>CARGO INSURANCE<\/li>\n<li>ENVIRONMENTAL INSURANCE<\/li>\n<li>PUBLIC PROCUREMENT<\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_column_inner][\/vc_row_inner][vc_separator sep_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;278075&#8243; sep_color_type=&#8221;uncode-palette&#8221;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;3&#8243; bottom_padding=&#8221;2&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; enable_top_divider=&#8221;default&#8221; top_divider=&#8221;gradient-soft&#8221; shape_top_h_use_pixel=&#8221;&#8221; shape_top_height=&#8221;30&#8243; shape_top_color=&#8221;color-nhtu&#8221; shape_top_opacity=&#8221;70&#8243; shape_top_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;160344&#8243; shape_top_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;157298&#8243;]<\/p>\n<h2 style=\"text-align: center;\">Why Choose an Insurance Broker<\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;164049&#8243; css=&#8221;.vc_custom_1773834435539{padding-bottom: 36px !important;}&#8221;][vc_column column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/3&#8243; uncode_shortcode_id=&#8221;130016&#8243; css=&#8221;.vc_custom_1772615482147{border-bottom-width: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_icon icon_image=&#8221;180&#8243; media_size=&#8221;40&#8243; text_weight=&#8221;700&#8243; text_height=&#8221;fontheight-105379&#8243; text_space=&#8221;fontspace-202850&#8243; text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;115600&#8243; title=&#8221;NO ADDITIONAL COSTS&#8221;]<\/p>\n<p style=\"text-align: center;\">Insurance brokerage services do not represent an additional cost to the client and are regulated in accordance with applicable legislation.<\/p>\n<p>[\/vc_icon][vc_icon icon_image=&#8221;181&#8243; media_size=&#8221;40&#8243; text_weight=&#8221;700&#8243; text_height=&#8221;fontheight-105379&#8243; text_space=&#8221;fontspace-202850&#8243; text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;209772&#8243; title=&#8221;CLAIMS SUPPORT&#8221;]<\/p>\n<p style=\"text-align: center;\">Provides professional assistance and representation of the client&#8217;s interests throughout the entire insurance period.<\/p>\n<p>[\/vc_icon][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; no_h_border=&#8221;yes&#8221; no_h_border_tablet=&#8221;yes&#8221; no_h_border_mobile=&#8221;yes&#8221; shift_x=&#8221;0&#8243; shift_y=&#8221;3&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/3&#8243; uncode_shortcode_id=&#8221;326909&#8243; css=&#8221;.vc_custom_1772711001799{border-top-width: 0px !important;padding-top: 0px !important;}&#8221;][vc_single_image media=&#8221;571&#8243; media_width_percent=&#8221;50&#8243; alignment=&#8221;center&#8221; medium_visibility=&#8221;yes&#8221; mobile_visibility=&#8221;yes&#8221; uncode_shortcode_id=&#8221;194383&#8243;][vc_icon icon_image=&#8221;182&#8243; media_size=&#8221;40&#8243; text_weight=&#8221;700&#8243; text_height=&#8221;fontheight-105379&#8243; text_space=&#8221;fontspace-202850&#8243; text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;427304&#8243; title=&#8221;OPTIMIZATION OF INSURANCE SOLUTIONS&#8221;]<\/p>\n<p style=\"text-align: center;\">Through professional risk analysis and insurance program assessment, the broker helps achieve an appropriate balance between coverage, terms, and costs.<\/p>\n<p>[\/vc_icon][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/3&#8243; uncode_shortcode_id=&#8221;592762&#8243;][vc_icon icon_image=&#8221;183&#8243; media_size=&#8221;40&#8243; text_weight=&#8221;700&#8243; text_height=&#8221;fontheight-105379&#8243; text_space=&#8221;fontspace-202850&#8243; text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;189187&#8243; title=&#8221;INDEPENDENT REPRESENTATION OF CLIENT INTERESTS&#8221;]<\/p>\n<p style=\"text-align: center;\">The insurance broker acts in the client&#8217;s interest and ensures objective comparison of proposals from different insurance companies.<\/p>\n<p>[\/vc_icon][vc_icon icon_image=&#8221;179&#8243; media_size=&#8221;40&#8243; text_weight=&#8221;700&#8243; text_height=&#8221;fontheight-105379&#8243; text_space=&#8221;fontspace-202850&#8243; text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;124786&#8243; title=&#8221;TIME SAVINGS AND TRANSPARENCY&#8221;]<\/p>\n<p style=\"text-align: center;\">The broker takes over coordination, administration, and preparation of clear insurance comparisons.<\/p>\n<p>[\/vc_icon][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_height_percent=&#8221;0&#8243; 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