{"id":583,"date":"2026-02-25T08:52:55","date_gmt":"2026-02-25T07:52:55","guid":{"rendered":"https:\/\/www.lab3.si\/lab3-insurance-consulting\/"},"modified":"2026-04-11T11:59:35","modified_gmt":"2026-04-11T09:59:35","slug":"lab3-insurance-consulting","status":"publish","type":"page","link":"https:\/\/www.lab3.si\/en\/","title":{"rendered":"LAB3 Insurance Consulting"},"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;4&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;color-nhtu&#8221; back_image=&#8221;409&#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;150638&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-solid&#8221; overlay_color_solid=&#8221;#3b2a20&#8243;][vc_column column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; 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;1\/1&#8243; uncode_shortcode_id=&#8221;570399&#8243; column_width_pixel=&#8221;940&#8243;][vc_custom_heading heading_semantic=&#8221;h1&#8243; text_font=&#8221;font-187058&#8243; text_size=&#8221;fontsize-228130&#8243; text_weight=&#8221;100&#8243; uncode_shortcode_id=&#8221;528268&#8243;]Consulting and Insurance Brokerage for Risk Management[\/vc_custom_heading][vc_button button_color=&#8221;color-wayh&#8221; radius=&#8221;btn-square&#8221; custom_typo=&#8221;yes&#8221; font_family=&#8221;font-131717&#8243; font_weight=&#8221;700&#8243; letter_spacing=&#8221;fontspace-202850&#8243; border_width=&#8221;0&#8243; button_color_type=&#8221;uncode-palette&#8221; uncode_shortcode_id=&#8221;602438&#8243; link=&#8221;url:https%3A%2F%2Fwww.lab3.si%2Fen%2Fcontact%2F|title:Kontakt|&#8221;]CONTACT[\/vc_button][\/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; 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;751958&#8243; shape_top_color_type=&#8221;uncode-palette&#8221; css=&#8221;.vc_custom_1775215066134{padding-top: 36px !important;padding-bottom: 0px !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\/1&#8243; uncode_shortcode_id=&#8221;158903&#8243;][vc_custom_heading text_weight=&#8221;200&#8243; uncode_shortcode_id=&#8221;171072&#8243;]Why Partner with an Insurance Broker?[\/vc_custom_heading][vc_empty_space empty_h=&#8221;2&#8243;][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_icon icon_image=&#8221;15&#8243; media_size=&#8221;40&#8243; text_font=&#8221;font-131717&#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;166122&#8243; title=&#8221;NO ADDITIONAL COSTS&#8221;]The insurance brokerage service does not incur additional costs for the client, as the broker is paid by the insurance company.[\/vc_icon][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_icon icon_image=&#8221;17&#8243; media_size=&#8221;40&#8243; text_font=&#8221;font-131717&#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;204987&#8243; title=&#8221;REPRESENTING CLIENT INTERESTS&#8221;]The broker acts in the client&#8217;s interest, not the insurance company&#8217;s, thus ensuring an objective approach to selecting and arranging insurance policies.[\/vc_icon][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_icon icon_image=&#8221;18&#8243; media_size=&#8221;40&#8243; text_font=&#8221;font-131717&#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;157115&#8243; title=&#8221;OPTIMIZATION OF INSURANCE SOLUTIONS&#8221;]Based on a review of existing insurance policies, we propose improvements to coverage, terms, and scope of insurance for more effective cost and risk management.[\/vc_icon][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_icon icon_image=&#8221;19&#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;186683&#8243; title=&#8221;EXPERT ASSISTANCE WITH CLAIMS&#8221;]The broker represents the client&#8217;s interests in reporting, processing, and resolving claims, and provides expert support throughout the entire process.[\/vc_icon][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_icon icon_image=&#8221;20&#8243; media_size=&#8221;40&#8243; text_font=&#8221;font-131717&#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;165630&#8243; title=&#8221;OFFERS FROM MULTIPLE INSURERS&#8221;]The broker enables comparison of offers from various insurance companies and access to specialized solutions in both domestic and international markets.[\/vc_icon][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_icon icon_image=&#8221;21&#8243; media_size=&#8221;40&#8243; text_font=&#8221;font-131717&#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;201504&#8243; title=&#8221;BROADER COVERAGE&#8221;]The goal of brokerage is to achieve broader coverage for the same premium or to optimize the premium while maintaining the level of insurance protection.[\/vc_icon][\/vc_column_inner][\/vc_row_inner][\/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; 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; shape_top_h_use_pixel=&#8221;&#8221; shape_top_height=&#8221;&#8221; shape_top_opacity=&#8221;1&#8243; shape_top_index=&#8221;0&#8243; shape_top_responsive=&#8221;yes&#8221; shape_top_tablet_hide=&#8221;yes&#8221; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;186139&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#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;2\/3&#8243; uncode_shortcode_id=&#8221;176540&#8243; css=&#8221;.vc_custom_1772702723900{padding-bottom: 18px !important;}&#8221;][vc_single_image media=&#8221;599&#8243; media_width_percent=&#8221;90&#8243; medium_visibility=&#8221;yes&#8221; mobile_visibility=&#8221;yes&#8221; uncode_shortcode_id=&#8221;564855&#8243;][vc_single_image media=&#8221;594&#8243; media_width_percent=&#8221;70&#8243; desktop_visibility=&#8221;yes&#8221; uncode_shortcode_id=&#8221;103367&#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;1\/3&#8243; uncode_shortcode_id=&#8221;182837&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#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;635766&#8243;]International Business[\/vc_custom_heading][vc_column_text text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;986937&#8243; css=&#8221;.vc_custom_1773842028669{margin-top: 20px !important;}&#8221;]LAB3 is the exclusive partner of the Brokerslink network for Slovenia. Brokerslink is one of the largest global networks of independent insurance brokers, uniting partners from over 130 countries.<\/p>\n<p>Membership in the network provides us with access to international knowledge, insurance markets, and specialized solutions, as well as effective support for clients operating both in Slovenia and in an international environment.[\/vc_column_text][vc_button button_color=&#8221;color-wayh&#8221; radius=&#8221;btn-square&#8221; custom_typo=&#8221;yes&#8221; font_family=&#8221;font-555555&#8243; font_weight=&#8221;700&#8243; letter_spacing=&#8221;fontspace-202850&#8243; border_width=&#8221;0&#8243; button_color_type=&#8221;uncode-palette&#8221; uncode_shortcode_id=&#8221;106306&#8243; link=&#8221;url:https%3A%2F%2Fwww.lab3.si%2Fen%2Fbrokerslink%2F|title:Brokerslink|&#8221;]READ MORE[\/vc_button][\/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;0&#8243; bottom_padding=&#8221;3&#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;390067&#8243; shape_top_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#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\/1&#8243; uncode_shortcode_id=&#8221;514051&#8243; css=&#8221;.vc_custom_1772702639687{padding-bottom: 18px !important;}&#8221;][vc_empty_space empty_h=&#8221;2&#8243;][vc_icon icon_image=&#8221;329&#8243; media_size=&#8221;40&#8243; text_weight=&#8221;700&#8243; text_height=&#8221;fontheight-105379&#8243; text_space=&#8221;fontspace-202850&#8243; uncode_shortcode_id=&#8221;582892&#8243; title=&#8221;AN INSURANCE AGENT IS NOT THE SAME AS AN INSURANCE BROKER&#8221;][\/vc_icon][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;173024&#8243; el_class=&#8221;lab3-body-garamond&#8221;]An insurance broker operates independently, obtains offers from multiple insurance companies, and represents the client&#8217;s interests.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; 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; medium_visibility=&#8221;yes&#8221; mobile_visibility=&#8221;yes&#8221; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;838972&#8243; back_color_type=&#8221;uncode-palette&#8221; css=&#8221;.vc_custom_1773828088894{padding-top: 36px !important;padding-bottom: 36px !important;}&#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_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; uncode_shortcode_id=&#8221;122252&#8243; css=&#8221;.vc_custom_1772552770953{padding-bottom: 20px !important;}&#8221;][vc_custom_heading heading_semantic=&#8221;h3&#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;151760&#8243;]About Us[\/vc_custom_heading][vc_column_text text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;210960&#8243; css=&#8221;.vc_custom_1773842071288{margin-top: 20px !important;}&#8221;]LAB3, zavarovalno posredovanje d.o.o., is an independent insurance broker specializing in corporate insurance and managing complex risks. We have been active in the insurance market since 2006, collaborating with Slovenian and international insurance companies. Our approach goes beyond merely optimizing insurance premiums. We focus on comprehensive risk management, timely identification of exposures, and establishing appropriate insurance coverage that provides companies with effective protection even in the event of major claims.[\/vc_column_text][vc_button button_color=&#8221;color-wayh&#8221; radius=&#8221;btn-square&#8221; custom_typo=&#8221;yes&#8221; font_family=&#8221;font-555555&#8243; font_weight=&#8221;700&#8243; letter_spacing=&#8221;fontspace-202850&#8243; border_width=&#8221;0&#8243; button_color_type=&#8221;uncode-palette&#8221; uncode_shortcode_id=&#8221;408398&#8243; link=&#8221;url:https%3A%2F%2Fwww.lab3.si%2Fen%2Fabout-lab3%2F|title:O%20podjetju%20Lab3|&#8221;]LAB3 TEAM[\/vc_button][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;-4&#8243; shift_y_fixed=&#8221;yes&#8221; 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;591527&#8243;][vc_single_image media=&#8221;605&#8243; media_width_percent=&#8221;80&#8243; alignment=&#8221;right&#8221; uncode_shortcode_id=&#8221;150140&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; 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; desktop_visibility=&#8221;yes&#8221; content_parallax=&#8221;0&#8243; uncode_shortcode_id=&#8221;137838&#8243; back_color_type=&#8221;uncode-palette&#8221; css=&#8221;.vc_custom_1772706667389{padding-top: 30px !important;padding-bottom: 30px !important;}&#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_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; uncode_shortcode_id=&#8221;122252&#8243; css=&#8221;.vc_custom_1772552770953{padding-bottom: 20px !important;}&#8221;][vc_custom_heading heading_semantic=&#8221;h3&#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;262535&#8243;]About Us[\/vc_custom_heading][vc_column_text text_lead=&#8221;small&#8221; uncode_shortcode_id=&#8221;511691&#8243; css=&#8221;.vc_custom_1773842111223{margin-top: 20px !important;}&#8221;]LAB3, zavarovalno posredovanje d.o.o., is an independent insurance broker specializing in corporate insurance and managing complex risks. We have been active in the insurance market since 2006, collaborating with Slovenian and international insurance companies. Our approach goes beyond merely optimizing insurance premiums. 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