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🛡 Insurance

Business insurance —
the right policy for your budget

Health, workers' compensation, business liability. We compare quotes from multiple insurers and find exactly what you need — nothing more, nothing less.

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9+ years in business
100+ companies served
🌎 3 languages
📍 Belgrade, Serbia
Covering entrepreneurs across all industries
💻 IT Companies 🍴 Restaurants 🛒 Retail 💼 Consulting 🌍 Import / Export 🏗 Construction 📚 Education 🏠 Real Estate 🚚 Transport ⚕ Healthcare 💻 IT Companies 🍴 Restaurants 🛒 Retail 💼 Consulting 🌍 Import / Export 🏗 Construction 📚 Education 🏠 Real Estate 🚚 Transport ⚕ Healthcare
Uninsured risks

Risks most entrepreneurs overlook

These situations are common — and costly. The right policy prevents them all.

No health insurance

Can't access the Serbian healthcare system. Every doctor visit, every emergency — paid entirely out of pocket.

No access to state healthcare

No workers' compensation

Personally liable for workplace injuries — yours or your employees'. Legal fees and damages can destroy your business.

Personally liable for on-the-job injuries

Wrong policy type

Too broad means you overpay every month. Too narrow means the damage isn't covered when it actually happens.

Overpaying or underinsured

Late employee registration

The law requires registration on the employee's first day. Late registration triggers retroactive debt and compounding interest.

Accumulated debt + 15% interest

✕ Without proper insurance

  • No access to Serbian healthcare — every visit paid out of pocket
  • Personally liable for workplace injuries and damages
  • Late employee registration triggers retroactive debt
  • Wrong policy means overpaying or being underinsured
  • Claims process handled alone without guidance

✓ With EXT insurance

  • Full healthcare access for you and your team
  • Workers' comp and liability coverage in place
  • All registrations handled on time from day one
  • Best policy selected from multiple provider quotes
  • Full claims support — we handle everything
What we offer

Complete insurance for your business

From health to business liability — everything in one place.

Health insurance for foreign entrepreneurs

Full access to the Serbian healthcare system. Mandatory registration for all business owners without exception.

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Workers' compensation insurance

Protection for you and your staff in the event of an accident. Eliminates direct personal liability.

Business liability insurance

Shields your company from third-party claims — property damage, bodily injury, service-related losses.

📈

Policy comparison from multiple providers

We collect quotes from leading Serbian insurers and present you a clear, side-by-side comparison.

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Claims assistance

We file the claim, communicate with the insurer and track the payout — you don't have to do anything.

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Annual policy review and optimization

Every year we verify your coverage still matches your business, and check for better offers on the market.

What our clients say

Trusted by businesses across Serbia

★★★★★

"EXT found us a workers' comp policy that saved us 30% compared to what we were paying before. They compared five providers and the whole process took two days. Highly recommended."

Stefan M.
Owner, construction company, Belgrade
★★★★★

"As a foreign entrepreneur, navigating Serbian insurance requirements was overwhelming. EXT handled everything — registration, policy selection, even a claim I had last year. Total peace of mind."

Ahmet K.
Director, import/export company, Belgrade
How it works

Four steps to the right policy

1

Free consultation

We assess your needs — business type, headcount, risk exposure.

2

Provider comparison

We get quotes from multiple insurers and lay them out clearly for you.

3

Policy selection

You choose the best fit for your business and budget — no pressure.

4

Registration

We handle all the paperwork and submit documentation on your behalf.

See how it works

Insurance made simple

Watch how it works (coming soon)
FAQ

Frequently asked questions

Is health insurance mandatory for business owners in Serbia?

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Yes. Every business owner in Serbia must be registered for health and pension insurance. Foreign nationals running a company in Serbia have the same obligations. Late registration leads to retroactive debt plus interest.

Do I need workers' comp insurance if I have no employees?

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If you are the sole owner with no employees, the obligation applies to you personally. As soon as you hire your first employee, you must register them and obtain coverage on their very first working day.

Can you help me with a claim?

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Yes, we provide full support throughout the claims process — from preparing documentation to communicating with the insurer and tracking the payout on your behalf.

What types of insurance do you offer?

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We cover health insurance, workers' compensation, business liability, property insurance, and professional indemnity. We compare quotes from multiple Serbian providers to find the best fit for your needs.

How quickly can I get covered?

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Most policies can be activated within 2-3 business days after we receive your documents. For urgent cases, we can expedite the process to same-day coverage.

Do you handle claims?

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Yes, we manage the entire claims process on your behalf — documentation, communication with the insurer, follow-up, and payout tracking. You don't need to deal with any paperwork.

More services

Complete support for your business

Contact

Free consultation

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