Uncertainty is something that surrounds us and the risks that threaten us are growing. Recognizing the needs to ensure risks insurance companies have developed different products. They are participating on the insurance market and in they take the insurer risks in their portfolio charging it with the premium. Insurance companies disperse risks and manage them and through capitalization of premiums provide funds to cover the damage caused by the occurrence of insured risks. The role of insurance companies is dispersion and minimization of the risk. Risk premiums that are not realized cover the costs of those risks that have been realized. Changes in society and technology as well as those in the goals and needs, have put new demands ahead of insurance companies in terms of developing new products. The major insurance products are grouped into life and non-life insurance. Commercial enterprises most frequently arrange insurances of their moveable and nonmoveable assets. Assets are ensured from the stilling and burglaries as well as from elementary disasters. Enterprises very often also use coverage for professional responsibility risks. Jadransko insurance company is one of the leaders on the domestic insurance market and operates in both segments of insurance product categorization. Premiums are formed in accordance with market conditions and the characteristics of the coverage. Flexibility is the key to differentiation because in this way the individual elements of insurance product are more adaptable to the needs of the user. IT and other technologies development has increased the quality of the process and ensured time saving. Following contemporary trends insurance company has made possible to its users to make purchases on-line.