osigurava

Osigurava is a verb form used in several South Slavic languages, most commonly Croatian, Bosnian, Serbian, and Montenegrin. It functions as the third person singular present tense of the verbs osiguravati (imperfective) and osigurati (perfective), and translates roughly as “he/she/it insures” or “he/she/it ensures.” In everyday speech it can also mean “guarantees” or “secures,” depending on context. The word is closely related to the noun osiguranje, meaning insurance, and to the adjective siguran, meaning secure or safe.

In insurance contexts, osigurava denotes the action of providing coverage against specified risks. For example, a company can osigurava property or a person can osigurava life insurance, meaning they arrange or provide the insurance coverage. In risk management or legal language, the term can appear in phrases that express guarantees or assurances, such as “to osigurava sigurnost” (to ensure security).

Usage notes: while osigurava commonly appears in reference to insurance, its broader sense of guaranteeing or ensuring makes it frequent in ordinary statements about safety, compliance, or certainty. The related nouns and verbs form a family around security and coverage, including osiguranje (insurance), osiguravatelj/osiguravač (insurer), and pokriće (coverage).

See also: osiguranje, osiguravatelj, siguran.