{"id":224,"date":"2017-05-22T11:27:02","date_gmt":"2017-05-22T11:27:02","guid":{"rendered":"http:\/\/alpha-credo.com\/?page_id=224"},"modified":"2021-07-13T12:24:17","modified_gmt":"2021-07-13T10:24:17","slug":"zavarovalna-pogodba-kreditnega-zavarovanja","status":"publish","type":"page","link":"https:\/\/alpha-credo.com\/sl\/zavarovalna-pogodba-kreditnega-zavarovanja\/","title":{"rendered":"Zavarovalna pogodba kreditnega zavarovanja"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:#0082c8;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-padding-top:20px;--awb-padding-bottom:8px;--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"color: #ffffff; font-size: 36px;\">Zavarovalna pogodba kreditnega zavarovanja<\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:50px;--awb-margin-bottom:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-2\"><h3>Predmet zavarovanja<\/h3>\n<ul>\n<li>Terjatve s pla\u010dilnim rokom do 180 dni (izjemoma 360 dni).<\/li>\n<\/ul>\n<h3>Krita tveganja<\/h3>\n<ul>\n<li>Insolventnost kupca (prisilna poravnava, ste\u010daj)<\/li>\n<li>Podalj\u0161ana zamuda pla\u010dila<\/li>\n<\/ul>\n<h3>Kreditni limiti<\/h3>\n<p>Pomemben element kreditne pogodbe je limit za posameznega kupca. Kreditna zavarovalnica preveri boniteto kupca in mu dolo\u010di kreditni limit \u2013 maksimalno izpostavljenost do posameznega kupca, do katere zavarovalnica krije potencialno \u0161kodo zaradi nepla\u010dila. Limit je dolo\u010den na podlagi vrednosti in dinamike dobav blaga oziroma storitev, pla\u010dilnih pogojev, obi\u010dajne (tolerirane) zamude kupca in valute pla\u010dila.<\/p>\n<p><strong>Ponazoritev:<\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-3\"><p style=\"text-align: left;\"><span style=\"font-size: 24px;\"><strong><span style=\"color: #0082c8;\">PRIMER: <\/span><\/strong><span style=\"color: #0082c8;\">Dinamika in vrednost prodaje 100.000 eur mese\u010dno \/ enakomerno celo leto<\/span><\/span><\/p>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"669\" height=\"300\" title=\"alphacredo3\" src=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3.jpg\" alt class=\"img-responsive wp-image-229\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3-200x90.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3-400x179.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3-600x269.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3.jpg 669w\" sizes=\"(max-width: 800px) 100vw, 669px\" \/><\/span><\/div><\/div><div class=\"fusion-text fusion-text-4\"><p>\u010ce svojemu kupcu vsak mesec fakturirate za 100.000 EUR blaga oziroma storitev in imate z njim dogovorjen trimese\u010dni pla\u010dilni rok, potrebujete zanj kreditni limit vsaj 300.000 EUR, da bo z zavarovanjem pokrita celotna va\u0161a prodaja temu kupcu.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-5\"><p>V primerih, ko zavarovalnica zaradi prenizke kreditne ocene dolo\u010denega kupca ne more zavarovati, na\u0161im strankam pomagamo oblikovati strategijo sodelovanja s tovrstnimi kupci, kjer uporabimo tudi vsa razpolo\u017eljiva pravna sredstva (alternativne tehnike obvladovanja kreditnega tveganja).<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-6\"><h3>Ustavitev dobav in izterjava<\/h3>\n<p>Pomembna elementa, ki pripomoreta k u\u010dinkovitosti upravljanja terjatev, sta tudi dolo\u010dili o prekinitvi dobav in izterjavi. Zavarovalnica obi\u010dajno zahteva, da mora podjetje-zavarovanec prenehati z dobavami kupcu, \u010de ta zamuja s pla\u010dilom svojih obveznosti ve\u010d kot 30 dni.<\/p>\n<p>V nasprotnem primeru se izpostavljenost podjetja do kupca pove\u010da (zelo verjetno celo preko kreditnega limita), zavarovalnica pa prekli\u010de zavarovalno kritje. Od ustaljenega pravila so mo\u017eni odkloni, v kolikor se podjetje z dol\u017enikom dogovori o planu pla\u010dil in s tem sogla\u0161a kreditna zavarovalnica.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none zmanjsan-graf\"><img decoding=\"async\" width=\"1024\" height=\"372\" title=\"Graf_pop_SI\" src=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-1024x372.jpg\" alt class=\"img-responsive wp-image-753\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-200x73.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-400x145.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-600x218.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-800x291.jpg 800w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 1024px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none zmanjsan-graf2\"><img decoding=\"async\" width=\"1024\" height=\"414\" title=\"graf_ustavitev_dobav_bang\" src=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-1024x414.jpg\" alt class=\"img-responsive wp-image-492\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-200x81.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-400x162.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-600x243.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-800x324.jpg 800w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 1024px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-7\"><p>Podjetje \u2013 zavarovanec mora ob nerednih pla\u010dilih svoje kupce ustrezno izterjevati.<\/p>\n<p>V zgodnej\u0161ih fazah zadostuje, da dol\u017enike opominja sam ali s pomo\u010djo zavarovalnice, ko pa zamude prerastejo dolo\u010deno starost, se pri\u010dne izterjava preko specializirane izterjevalske agencije oziroma odvetni\u0161ke pisarne. Stro\u0161ke izterjave praviloma pokriva zavarovalnica v enakem dele\u017eu kot \u0161kodo.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-bottom:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-8\"><h3>Od\u0161kodnina<\/h3>\n<p>Zavarovanec pridobi pravico do od\u0161kodnine takoj po objavi insolven\u010dnega postopka, v primeru podalj\u0161ane zamude pla\u010dila pa po dolo\u010denem roku po datumu zapadlosti faktur.<\/p>\n<p>ALPHA CREDO svojim strankam pomaga pri uveljavljanju pravic. Paziti je potrebno namre\u010d na pravo\u010dasno vlo\u017eitev od\u0161kodninskega zahtevka ter na vse aktivnosti, ki so s tem v zvezi.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-9\"><p style=\"text-align: left;\"><span style=\"font-size: 24px;\"><strong><span style=\"color: #0082c8;\">PRIMER:\u00a0<\/span><\/strong><span style=\"color: #0082c8;\">Podalj\u0161ana zamuda pla\u010dila<\/span><\/span><\/p>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-none\"><img decoding=\"async\" width=\"1100\" height=\"298\" title=\"alphacredo1\" src=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1.jpg\" alt class=\"img-responsive wp-image-227\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-200x54.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-400x108.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-600x163.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-800x217.jpg 800w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 1100px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type gumb-cta2\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#ffffff;--button_border_hover_color:#ffffff;--button_gradient_top_color:#007ac2;--button_gradient_bottom_color:#007ac2;--button_gradient_top_color_hover:#000000;--button_gradient_bottom_color_hover:#000000;\" target=\"_self\" href=\"https:\/\/alpha-credo.com\/sl\/prednosti-ter-koristi-kreditnega-zavarovanja\/\"><span class=\"fusion-button-text\">&lt; PREDNOSTI TER KORISTI<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_2 1_2 fusion-one-half\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% + 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:110px;--awb-padding-bottom:90px;--awb-margin-top:50px;--awb-margin-bottom:-1px;--awb-background-image:url(&quot;https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/spoznajtenas-bcg.jpg&quot;);--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-first\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_3 1_3 fusion-one-third\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-last\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-10\"><h1 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Spoznajte nas<\/span><\/h1>\n<\/div><div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type gumb-cta2\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#ffffff;--button_border_hover_color:#ffffff;--button_gradient_top_color:#007ac2;--button_gradient_bottom_color:#007ac2;--button_gradient_top_color_hover:#000000;--button_gradient_bottom_color_hover:#000000;\" target=\"_self\" href=\"https:\/\/alpha-credo.com\/sl\/ekipa\/\"><span class=\"fusion-button-text\">EKIPA<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Zavarovalna pogodba kreditnega zavarovanja - Alpha Credo<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alpha-credo.com\/credit-insurance-contract\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zavarovalna pogodba kreditnega zavarovanja - Alpha Credo\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alpha-credo.com\/credit-insurance-contract\/\" \/>\n<meta property=\"og:site_name\" content=\"Alpha Credo\" \/>\n<meta property=\"article:modified_time\" content=\"2021-07-13T10:24:17+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/alpha-credo.com\/credit-insurance-contract\/\",\"url\":\"https:\/\/alpha-credo.com\/credit-insurance-contract\/\",\"name\":\"Zavarovalna pogodba kreditnega zavarovanja - Alpha Credo\",\"isPartOf\":{\"@id\":\"https:\/\/alpha-credo.com\/sl\/#website\"},\"datePublished\":\"2017-05-22T11:27:02+00:00\",\"dateModified\":\"2021-07-13T10:24:17+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/alpha-credo.com\/credit-insurance-contract\/#breadcrumb\"},\"inLanguage\":\"sl-SI\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/alpha-credo.com\/credit-insurance-contract\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/alpha-credo.com\/credit-insurance-contract\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/alpha-credo.com\/sl\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Zavarovalna pogodba kreditnega zavarovanja\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/alpha-credo.com\/sl\/#website\",\"url\":\"https:\/\/alpha-credo.com\/sl\/\",\"name\":\"Alpha Credo\",\"description\":\"Zavarovalno posredni\u0161ka dru\u017eba\/Insurance Brokerage\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/alpha-credo.com\/sl\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sl-SI\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Zavarovalna pogodba kreditnega zavarovanja - Alpha Credo","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alpha-credo.com\/credit-insurance-contract\/","og_locale":"sl_SI","og_type":"article","og_title":"Zavarovalna pogodba kreditnega zavarovanja - Alpha Credo","og_url":"https:\/\/alpha-credo.com\/credit-insurance-contract\/","og_site_name":"Alpha Credo","article_modified_time":"2021-07-13T10:24:17+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"13 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/alpha-credo.com\/credit-insurance-contract\/","url":"https:\/\/alpha-credo.com\/credit-insurance-contract\/","name":"Zavarovalna pogodba kreditnega zavarovanja - Alpha Credo","isPartOf":{"@id":"https:\/\/alpha-credo.com\/sl\/#website"},"datePublished":"2017-05-22T11:27:02+00:00","dateModified":"2021-07-13T10:24:17+00:00","breadcrumb":{"@id":"https:\/\/alpha-credo.com\/credit-insurance-contract\/#breadcrumb"},"inLanguage":"sl-SI","potentialAction":[{"@type":"ReadAction","target":["https:\/\/alpha-credo.com\/credit-insurance-contract\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/alpha-credo.com\/credit-insurance-contract\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/alpha-credo.com\/sl\/"},{"@type":"ListItem","position":2,"name":"Zavarovalna pogodba kreditnega zavarovanja"}]},{"@type":"WebSite","@id":"https:\/\/alpha-credo.com\/sl\/#website","url":"https:\/\/alpha-credo.com\/sl\/","name":"Alpha Credo","description":"Zavarovalno posredni\u0161ka dru\u017eba\/Insurance Brokerage","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/alpha-credo.com\/sl\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sl-SI"}]}},"_links":{"self":[{"href":"https:\/\/alpha-credo.com\/sl\/wp-json\/wp\/v2\/pages\/224"}],"collection":[{"href":"https:\/\/alpha-credo.com\/sl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alpha-credo.com\/sl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alpha-credo.com\/sl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alpha-credo.com\/sl\/wp-json\/wp\/v2\/comments?post=224"}],"version-history":[{"count":27,"href":"https:\/\/alpha-credo.com\/sl\/wp-json\/wp\/v2\/pages\/224\/revisions"}],"predecessor-version":[{"id":2890,"href":"https:\/\/alpha-credo.com\/sl\/wp-json\/wp\/v2\/pages\/224\/revisions\/2890"}],"wp:attachment":[{"href":"https:\/\/alpha-credo.com\/sl\/wp-json\/wp\/v2\/media?parent=224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}