The 10 Best Insurance Brokers in Tbilisi

In almost every case, nothing extra. Brokers here are paid a commission by the insurer out of the premium you were going to pay anyway, and PrioGe states this outright on its own site. What you should budget for is the premium itself. Only the travel side publishes rates: E-COVER lists visitor medical cover from 2.7 euro a day, which puts a one-month stay somewhere near 80 euro and a longer stay proportionally higher before any annual-plan discount. Health, motor and property rates are not published by any broker on this list, so treat figures you find elsewhere as a starting point rather than a quote.

An agent works for one insurer and is paid to place business with that insurer. A broker is licensed separately, carries a licence number from the Insurance State Supervision Service, and is supposed to shop your risk across the market. In practice the test is simple: ask how many insurers they can quote and get the names. Acton lists ten, E-COVER lists eight, GeoTrust lists six. If the answer is one, you are talking to an agent regardless of the sign on the door.

Often not for medical cover, but usually yes for everything else. An international policy travels with you and generally outperforms a local plan for serious treatment abroad. It will not cover your Tbilisi apartment, your car, your employer liability or your company's property. Those are Georgian risks written by Georgian insurers, and that is where a local broker earns the commission. Several brokers on this list write both, so you can keep the international plan and build local lines around it.

It depends on what you are actually insuring. If the exposure is an office, a few laptops and staff health cover, a mid-market firm like Calma or PrioGe is the right size and will still run a proper tender. If you have foreign investors to answer to, or need directors and officers, cyber or political violence cover, Resolution and GS are the two here with an explicit international practice. GrECo is the call for heavy industry, aviation or anything that needs reinsurance capacity behind it.

Usually yes. Georgian is the operating language of the insurers and of the regulator, and the binding wording is normally the Georgian text even when you are handed an English translation. Ask for the English version in writing before you sign, and ask specifically which version governs a dispute. Brokers with English-first operations, particularly Resolution and GS, are used to the question. This is the single most common gap between what a foreign buyer thinks they bought and what the policy says.

This is the part worth choosing a broker for. Claims are settled by the insurer, but a broker who placed the business has pull with the insurer that you do not, and every corporate firm on this list names claims management as a service. Ask before you buy who runs your claim, whether it is the same person who sold you the policy, and what happens if the insurer declines. If a comparison platform cannot answer that, it is a purchase channel rather than a broker relationship. Fine for a travel policy, not fine for a commercial property programme.