Partner for BiH
Solutions that fit your needs
Insurance and risk management for companies. We guide you through your unique risk profile and recommend the products and services that are right for your business.
Focus over breadth — where we create the greatest value
At VIPOX we apply a strategic focus on carefully selected industries and specialised solutions, where we can deliver the greatest added value for clients. Through a deep understanding of the business context and risks, we provide structured insights that support better decision-making.
We combine industry expertise with an analytical approach and entrepreneurial agility — identifying market opportunities, optimising risk management and delivering solutions with measurable impact.
We deliberately choose focus over breadth. We do not aim to be all things to everyone, but a trusted partner in the areas where we can provide outstanding expertise.
We see our role as a combination of strategic advisor and advocate for our clients' interests — acting consistently and objectively in their best interest, with a deep understanding of the industries in which they operate.
Our approach
The three areas in which we act as your broker — how we work and what you can expect from working with us.
Risk management
We carry out detailed and structured risk analyses in order to provide strategic recommendations. Our approach is based on an in-depth understanding of your business, ensuring the development of tailored and effective solutions. We identify, assess and address the specific and complex risks arising from your business activities, designing comprehensive coverage that ensures optimal protection and the continued resilience of your operations.
Insurance and reinsurance
We apply advanced concepts and market-relevant models to optimise your investment in insurance, with the best balance of coverage level, cost and long-term sustainability. We manage policies comprehensively across all levels of the business — operational, administrative and strategic — with continuous monitoring, analysis and adjustment to changes in your business, the regulatory environment and market conditions, along with access to international markets through our partnership with AON for BiH.
Claims management
Our approach is based on proactively representing our clients’ interests and securing maximum value from every policy. We provide comprehensive support throughout the entire claim lifecycle — from timely notification and coordination of the process, to negotiations with insurers and final settlement. Through an analytical and advisory approach we identify claims patterns and provide recommendations to reduce future risks, together with complete policy administration.
What we broker
A complete range of insurance for your business. Click a service for a detailed description — what it covers, who it is for and what it includes.
Property & Business Interruption Insurance
Property and business interruption insurance protects businesses against the financial consequences of damage to or destruction of their assets, as well as against loss of income while operations are suspended.
Learn more 02Liability Insurance
Liability insurance protects your business when, through its operations, you cause loss or injury to third parties — business partners, customers or the public. Liability risks are among the most frequent and most significant risks companies face, because any business, whatever its sector, can cause bodily injury, material (property) damage or pure financial loss to a third party. For certain activities liability insurance is a statutory requirement, while for all others it is strongly recommended. In addition to indemnifying the injured party, the policy also covers the costs of legal defence when the claimant brings a claim against the insured. VIPOX identifies all potential liability risks, proposes a solution tailored to your sector and helps you decide which risks to retain and which to transfer to the insurer.
Learn more 03Transport Insurance
Marine cargo (transport) insurance provides comprehensive risk management for exporters, importers, carriers, freight forwarders and all other participants in the logistics chain, protecting goods against damage, destruction and loss throughout the entire journey — from loading, through carriage by all modes of transport (road, rail, sea, inland waterway, air and multimodal), to unloading, transhipment and temporary storage.
Learn more 04Motor Fleet Insurance
Motor fleet insurance is a comprehensive insurance solution for all companies and individuals operating a fleet of three or more vehicles owned by a single person or firm, or vehicles held under lease. Instead of each vehicle carrying a separate policy, the entire fleet is consolidated into a single flexible policy, securing more favourable terms and a lower premium than individual contracts. The policy can combine compulsory motor third-party liability (MTPL), comprehensive (own-damage) cover, guaranteed asset protection (GAP), a range of additional covers and roadside assistance, all tailored to the client's actual needs. As a broker, VIPOX sets the optimal parameters and scope of cover, reviews the entire insurance market each year to secure the most competitive offer, and takes over the complete management of the policy and claims handling through a dedicated team. The goal is to give the client simple, transparent records, reduced fleet operating costs and active loss prevention, rather than having to coordinate several insurers themselves.
Learn more 05Directors & Officers (D&O) Liability
Members of a company's statutory bodies — the management board, supervisory board, executive directors and senior management — are personally liable, without limitation and to the full extent of their private assets, for the decisions they take in running the business (unlike employees, whose statutory liability is capped at a certain amount). D&O (Directors and Officers) insurance protects executives precisely for cases in which a claim or lawsuit is brought against them for an actual or alleged error, omission or exceeding of authority in the performance of their duties. A claim may be brought by virtually anyone — the company itself, which has suffered a financial loss, other board members, shareholders, creditors, the regulator, competitors, employees or third parties. The policy covers the claimant's financial loss, legal defence costs, the court judgment and any out-of-court settlement, thereby simultaneously protecting the executive's personal assets, the shareholders' capital and the company's own balance sheet. It is particularly important in the event of an acquisition or takeover, since the structure of the firm changes and the insured persons must be protected both before and after the completion date.
Learn more 06Construction & Erection All Risks (CAR/EAR)
Construction and erection all risks insurance (CAR/EAR) is comprehensive "all-risks" cover that protects all parties to a construction project — employers, main contractors, subcontractors, designers and supervisory bodies — throughout the entire duration of a civil engineering or erection project. CAR (Construction All Risks) covers civil works such as buildings, infrastructure and earthworks, while EAR (Erection All Risks) covers the erection of plant, production lines, machinery and steel structures, including test operations; on larger projects the two policies are most often combined. The principle is "all risks": cover applies to all sudden and unforeseen loss events that are not expressly excluded by the policy, removing the need to specify each risk individually. The policy comprises several modules selected according to the insured's needs and covers both the works and materials themselves and liability to third parties, site equipment and the financial consequences of project delay. It is advisable to arrange the insurance before works begin in order to avoid disputes with the insurer over the payment of claims.
Learn more 07Travel Insurance
Travel insurance protects your employees and business associates during business trips and stays abroad against unexpected events, illness and accidents. We design the policy to the specific needs of your firm — it covers medical treatment costs (including COVID-19-related illness and mandatory quarantine, depending on the type of cover), transport and repatriation home, as well as 24/7 assistance in emergencies.
Learn more 08Trade Credit & Financial Risk Insurance
Trade credit insurance protects your business against losses arising when a customer fails to pay an invoice through inability or unwillingness to meet its obligations. As an intermediary, VIPOX finds you a solution against the risk of non-payment that at the same time improves access to trade finance and supports business growth. Trade receivables can account for as much as 40% of the assets on the balance sheet, so protecting them is a strategic decision that safeguards a key company asset. With your receivables insured, you can extend trade credit more confidently, expand into new markets and use the policy as collateral for more favourable financing. VIPOX finds the optimal solution by combining maximum cover with the lowest cost, alongside continuous market monitoring and analysis of your customers' risk.
Learn more 09Cyber Insurance
Cyber insurance protects firms against the financial consequences of cyber incidents, such as ransomware attacks, data theft and breaches, fraud and business interruption caused by attacks on IT systems. Given organisations' growing dependence on information technology, connectivity and automated processes, the likelihood of a firm falling victim to cybercrime today can be greater than the risk of loss from flood or fire. The policy covers both the firm's own costs (recovery of systems and data, lost profit, ransom, regulatory fines) and liability to third parties whose data has been compromised. Beyond financial protection, the key value is the expert support available 24/7 — IT forensic investigators, lawyers and PR advisers who, immediately after an incident, help to stop the attack, restore data and protect the firm's reputation. As a broker, VIPOX assesses and quantifies the client's cyber risk, places optimal cover with insurers and coordinates the process in the event of a loss.
Learn more 10Speciality insurance lines
Environmental Liability insurance covers remediation costs and liability for damage caused by pollution or environmental incidents — from leaks of hazardous substances to long-term contamination of soil or water, including clean-up and remediation costs and third-party claims. Surety & Warranty insurance covers the risk of non-performance of contractual obligations and warranty periods — it protects the principal or the buyer if the contractor or seller fails to fulfil their obligations within the agreed deadline or to the agreed quality. Both covers belong to speciality insurance lines that require individual risk assessment and access to the niche insurance market.
Learn more 11Employee Benefits
Employee benefits are insurance and benefit programmes through which an employer cares for its employees and thereby achieves better business results, reduces costs and limits risks. With a purpose-designed benefits package a firm finds it easier to attract and retain talent, strengthens loyalty and increases the productivity and satisfaction of existing employees. As a broker, VIPOX advises the employer and designs the entire programme on the basis of proven international methodologies, detailed analyses and relevant market data (benchmarking against the market average and against a selected segment). The service includes the implementation of individual solutions, communication to employees, ongoing management and regular review of the benefits offered. This approach contributes directly to reducing absenteeism and presenteeism and to communicating the firm's objectives and culture more effectively.
Learn more 12International Insurance Programmes & Reinsurance
The design and management of international insurance programmes is a service intended for multinational companies that have subsidiaries, sites or business units in several countries and want a single, centrally coordinated insurance solution rather than a series of disconnected local policies. VIPOX identifies and assesses the group's risks, designs a centrally managed global programme and implements it in each country in compliance with local legal, contractual and tax requirements. The programme is built as a combination of a master policy issued in the parent company's country and local (admitted) policies in individual countries, linked by DIC/DIL clauses that cover differences in conditions and sums insured and prevent gaps in cover. This gives the parent company full oversight and control over the management of the whole group's risks, a uniform level of protection for all subsidiaries, compliance with the laws of each country and lower overall insurance costs. In addition to placing the policies, VIPOX also arranges local claims handling and settlement in each country, with access to the international market through its partnership with AON for BiH.
Learn moreLooking for your sector? See the industries we cover →
Why choose VIPOX as your partner
As an independent broker and AON partner in BiH, we combine local expertise with global knowledge — which positions us among the leading brokers for corporate insurance in Bosnia and Herzegovina.
- In-depth risk analysis and exposure assessment
- Insurance solutions tailored to your industry
- Negotiation with leading insurers in BiH and on the international market
- Appropriate premium and insurance terms
- Professional claims management and client support
Our process in 6 steps
From the engagement agreement to presenting the optimal solution — structured and transparent.
Engagement Agreement
We align on objectives, scope and the way we work together.
Data Exchange and Analysis
We collect data and analyse your risk exposure.
Insurance Strategy
We define a protection strategy tailored to your needs.
Programmes and Terms
We define insurance programmes and terms.
Tender and Quotations
We issue a tender and gather insurer quotations.
Solution Presentation
We present the offers and recommend the optimal solution.
After selecting the insurer — implementation
Protect your business in time
We analyse your company's risks and propose an optimal insurance programme.