Osigurati

Osigurati ispravna i neutral, it is a verb used in Croatian, Serbian and Bosnian to mean to secure, guarantee or insure, and also to ensure that something happens. In general usage it can refer to making something safe or certain, as well as arranging insurance for property, health, life or other risks.

Etymology and grammar: the word comes from the root siguran, safe, with the prefix o- adding a sense of making safe or ensuring. Osigurati is the perfective form of the verb pair osiguravati/osigurati; the imperfective is used for ongoing or repeated securing, while the perfective implies achieving the result. Related nouns include osiguranje (insurance), osiguravač/osiguravatelj (insurer, depending on language variant), and osiguranik (the insured person). A policy is called polisa osiguranja or ugovor o osiguranju.

Insurance context: in formal language, osigurati means to arrange or provide insurance coverage for a risk or asset. The insurer (osiguravač/osiguravatelj) issues a polisa/osiguranje, and the insured (osiguranik) pays premiums in exchange for compensation if a covered event occurs. Common phrases include osigurati imovinu od požara (to insure property against fire), osigurati život (life insurance), and osiguranje zdravlja (health insurance). In risk management and business planning, it can also mean to secure or guarantee resources, deadlines or outcomes.

Usage guidance: osigurati tends to emphasize achieving a secured outcome or formal insurance coverage, whereas more casual phrases might use equivalents like garantirati or ensure in broader contexts. The term is widespread in legal, financial and everyday language in South Slavic regions.