What we do

Office phone number in Moscow
+7 (495) 640 54 00 Request a call back
  • We place the insurance protection for our clients (legal entities);
  • We advise on insurance matters;
  • We represent clients’ interest upon the occurrence of insurance claim;
  • We act as a tendering authority in insurance placement;
  • We are insurance professionals who are eager to share our knowledge with our customers;
  • We act as supervisors and assistants in contracting insurance agreements and accompanying documents (primarily various application forms and questionnaires);
  • We are the experts who are ready to find unconventional solutions to complex matters.

Our company is an insurance broker, a professional intermediary between insurance companies (Insurers) and their customers (Policyholders).

When choosing an insurance company the insurance broker can be very useful to the client, because we know the situation in many of the insurance companies on the insider level. Constantly watching it change, first of all, from the point of view of the interests of policyholders, customers. We know the financial position of insurance companies, their current policy of insurance payments, especially the process of settlement of insurance claims. We know what kinds of insurance are strong specific insurers, and in which they are weak or mediocre. We know their tariff policy; understand how you can get the price reduction without degrading the quality of insurance protection.

When contacting us, the client receives multiple offers from different insurance companies that offer the best conditions for insurance. Prices of different companies can vary significantly. Given that the conditions and the level of reliability of these companies will be the same. Contacting us, customers are able to compare the offers, assess their relevance to their needs and choose the best option. Insurance contract is concluded directly between the insurance company and the client. The insurance premium is paid directly to the insurance company.

Our work for clients is free of charge. We receive our income in the form of commission from the insurance company after the conclusion of the insurance contract and input it the base of the insurer. At the same time as we obtain the commission from insurer, it does not mean that insurance costs for our customers is more expensive than if they applied directly to the insurance company.

REASONS WHY INSURANCE COVERAGE IS CHEAPER FOR OUR CUSTOMERS THAN WHEN YOU CONTACT THE INSURANCE COMPANY DIRECTLY:

  • Firstly, because we can achieve the level insurance rate, which, including the commission, will be, lower than the "without commission" rate in direct address to the company. We just know who to address and what to say in this company, so they will not  be afraid of the risk and give favorable rates;
  • Secondly, because in the standard rate there is always expenditure part laid to pay remuneration for customer attraction. In one case - this is our commission, in the other - the cost of salaries and bonuses of employees, rent, advertising, and so on;
  • Thirdly, we give discounts from our reward, because we are interested in long-term work and the development of relations with our customers.

OUT MAIN TASKS:

  • To organize a competition between insurance companies for the development of the insurance contract or insurance programs from several insurance contracts;
  • To advise the client about possible options of insurance coverage even before the competition;
  • To help the client to formulate the important conditions of insurance contracts for him;
  • To help customers choose the best option presented to the competition, taking into account the fact that the cheapest option is not necessarily the best. It is necessary to take into account the financial condition of the insurance company, its reputation in insurance reimbursement policy;
  • To help the client to gather and arrange information for drafts insurance contracts;
  • Represent the client and its interests in the negotiations with the insurance company;
  • After the conclusion of the contract - to help the customer upon the occurrence of insured events: to advise on necessary actions, tactics of communication with the service of settlement of claims insurance companies, together with the client to participate in this service the negotiations, to monitor the progress of settlement and accelerate it, as well as to assist in resolving disputes problems with insurance companies.

WHAT MAKES US DIFFERENT FROM OTHER INSURANCE BROKERS:

  • The transparency of our operations, technology - we have nothing to hide from our customers, we are ready to explain everything;
  • Management's availability to communicate with customers - we are ready to solve all your problems quickly;
  • Specializing in complex types of insurance - financial risks, property of legal entities, liability, voluntary medical insurance;
  • Full assistance to the client on all extent of the insurance contracts - including assistance in obtaining insurance reimbursement;
  • Accuracy and precise, conscientious fulfillment of all obligations;
  • Focus on high quality customer service and long-term cooperation with them.

OUR ADVANTAGES OVER INSURANCE AGENTS:

  • We represent the interests of the client, the insured (the agent is a representative of an insurance company);
  • We are a legal entity. (Agents are mainly physical persons);
  • We have a high level of professionalism in insurance. Each of our employees has a serious experience in insurance. Among the agents a lot of newcomers, even the disciples;
  • Our activities are controlled by the Central Bank of Russia. Agents are not controlled by Central Bank.

We have vast experience in property insurance, liability, financial risks, goods, employees on voluntary medical insurance, we understand the basic needs of the client, depending on the activities of the organization, we know the real market rates, and will not allow you to overpay.

And most importantly, we are ready to go to work responsibly and wisely in order to find the optimal conditions of insurance!

Contact us and see it in practice!

Operation geography

Horizon is a professional insurance intermediary, executing insurers / reinsurers orders on the selection of the best options of insurance / reinsurance coverage. We have an extensive practice of insurance for state, municipal and commercial structures of Russia, Europe, Asia, South and North America.

Insureds:

Thanks to our experience, we have a vast knowledge in all sphere of insurance that is why we can offer special insurance contracts for any business type.

Reinsureds:

Our team has a unique long-term experience in reinsurance. Our employees have contacts with reinsurers from virtually anywhere in the planet. We are ready to take on the most complex and sensitive issues: whether you are the Reinsured / the Insurer or the Сlient / Policyholder requiring placement of great risk insurance amounts or atypical terms of insurance.

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