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About Us In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured, or policyholder, is the person or entity buying the insurance policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.
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Garancijsko osiguranje (engl. guarantee insurance, njem. Garantieversicherung) je takvo kreditno osiguranje koje zaključuje sam dužnik u korist svog vjerovnika kao osiguranika. Zaključuje se kada je dužnik na to obvezan prema svome vjerovniku na temelju ugovora o dobivanju kredita. Osiguravatelj je dužan da u slučaju nastanka rizika plati odštetu vjerovniku, a kasnije ima pravo regresa prema dužniku. Osiguranje se zaključuje u korist treće osobe. Dužnik je dužan osiguravatelju platiti premiju osiguranja, a ovaj je dužan da mu preda policu osiguranja. U nekim zemljama ovim osiguranjem bave se i banke budući da je slično bankovnim garancijama.Definicija je preuzeta iz Rječnika osiguranja u izdanju Masmedia.