WI-LOG-VER-002v1.0Aktivan dokument

Provera osiguranja prevoznika

Kriterijumi uspeha:✓ Osiguranje verifikovano direktno kod osiguravača✓ Bonitet provjeren kroz multiple izvore✓ Dokumentacija arhivirana kao dokaz✓ Rizik procenjen pre angažovanja

1. Svrha i opseg

Cilj: Standardizovati proces verifikacije CMR osiguranja i boniteta prevoznika pre angažovanja za transport.

Kontekst: WI dokument (tehničko-operativni tip), repetitivan proces kritičan za risk management. Naše osiguranje pokriva štete samo ako smo proverili bonitet prevoznika. Falsifikovane police su česte. Neprovereni prevoznik = 100% naša odgovornost. BPM Instance ID generiše se za svaku verifikaciju.

Granice opsega: Početak: novi prevoznik ili godišnja re-verifikacija · Kraj: odluka o angažovanju · Uključeno: provera police, finansijski status, reputacija, scoring · Isključeno: vlastita flota, rail/sea carriers

2. Resursi

Naziv	Opis	Format	Daje
CMR polisa	Polisa osiguranja prevoznika	PDF	Prevoznik
Company documents	Registracija, licence	PDF	Prevoznik
TIMOCOM profil	Online reputacija	Web	TIMOCOM
Osiguravači kontakti	Lista za verifikaciju	Excel	Legal

3. Rezultati

Naziv	Opis	Format	Prima
Verification report	Status osiguranja i boniteta	PDF	Management
Risk score	Bodovanje 1-100	Numerički	Sistema
Approved carrier list	Verifikovani prevoznici	Excel	Operations
Blacklist update	Rizični prevoznici	Excel	All teams

4. Tok izvršavanja

4.1 Inicijalna provera dokumentacije

Aktivnost

Zatražiti i pregledati osnovnu dokumentaciju prevoznika

Opis

Pre bilo kakve saradnje, prevoznik mora dostaviti: CMR polisu osiguranja, EU licencu za međunarodni transport, registraciju kompanije, reference. Proveriti da li dokumenti deluju autentični.

Primer

ZAHTEV ZA DOKUMENTACIJU:

Email prevozniku:

"Dear Transport Partner,

Before cooperation, please provide:

1. CMR Insurance policy (current)
2. EU Transport license
3. Company registration
4. Reference list (last 3 months)
5. Fleet list with plates

Documents needed within 24h.

Best regards"

---

PRIJEM DOKUMENATA:

Prevoznik: EuroTrans Slovakia s.r.o.
Dokumenti primljeni: 20.03, 15:30

INICIJALNA PROVERA:

1. CMR POLISA:
☑ Osiguravač: Allianz Slovakia
☑ Broj police: SK-2024-847395
☑ Period: 01.01.2024 - 31.12.2024
☑ Pokriće: 1.000.000 EUR
☑ Deductible: 5.000 EUR
☑ Teritorija: Europe + Balkans

Red flags check:
• Font consistent? YES ✓
• Logo kvalitet? HIGH ✓
• Grammatical errors? NO ✓
• Contact details? YES ✓

2. EU LICENCA:
☑ Broj: SK/2019/38475
☑ Važi do: 31.12.2025
☑ Vozila: 25 (licenced)
☑ QR code: Scannable ✓

3. REGISTRACIJA:
☑ Company: EuroTrans Slovakia s.r.o
☑ ICO: 36584738
☑ DIC: 2021957483
☑ Founded: 2008
☑ Capital: 100.000 EUR

PRVA OCENA: Deluje legitimno
ALI: MORA SE VERIFIKOVATI!

30% CMR polisa koje primimo su FALSIFIKAT ili istekle! Nikad verovati bez provere!

4.2 Direktna verifikacija kod osiguravača

Aktivnost

Kontaktirati osiguravajuću kuću i potvrditi validnost police

Opis

Ovo je NAJKRITIČNIJI korak. Direktno kontaktirati osiguravača navedenog na polisi. Potvrditi: da li polisa postoji, da li je plaćena, šta pokriva, koji su limiti.

Primer

VERIFIKACIJA KOD OSIGURAVAČA:

Step 1: Pronađi kontakt

Google: "Allianz Slovakia transport"
Official site: allianz.sk
Phone: +421 2 5822 4000
Email: info@allianz.sk

Step 2: Email verifikacija

To: transport@allianz.sk
Subject: Policy verification urgent

"Dear Allianz,

Please verify CMR insurance:

Policy: SK-2024-847395
Insured: EuroTrans Slovakia s.r.o
ICO: 36584738

Please confirm:
1. Policy exists and valid?
2. Premium paid?
3. Coverage amount?
4. Territory covered?
5. Deductible?

Urgent response appreciated.

Balkan Freight
+381 63 XXX XXX"

---

ODGOVOR OSIGURAVAČA (4h):

"Dear Balkan Freight,

Policy SK-2024-847395 - CONFIRMED

Status: ACTIVE ✓
Premium: PAID until 31.12.2024 ✓
Coverage: 1.000.000 EUR per event
Annual aggregate: 3.000.000 EUR
Territory: EU + Balkans + Turkey
Deductible: 5.000 EUR

Exclusions:
- Theft without break-in
- Unattended vehicle >4h
- Driver negligence

Valid for your verification.

Allianz Slovakia
Transport Dept."

---

Step 3: Telefonska potvrda

Poziv: +421 2 5822 4000

"Can you verify email sent?"
"Yes, confirmed. Policy active."

VERIFIKACIJA: USPEŠNA ✓

Arhivirano:
☑ Email from Allianz
☑ Call recording (if allowed)
☑ Screenshot confirmation
☑ Time stamp: 20.03, 17:45

Neki osiguravači imaju online portal za instant verifikaciju - pitati za pristup!

4.3 Provera finansijskog boniteta

Aktivnost

Evaluirati finansijsku stabilnost prevoznika

Opis

Osiguranje može biti validno, ali ako je firma u problemima, rizik je visok. Proveriti: registre, blokade, dugovanja, sudske sporove, vlasničku strukturu.

Primer

FINANSIJSKI BONITET CHECK:

1. SLOVAČKI REGISTAR (orsr.sk):

EuroTrans Slovakia s.r.o
ICO: 36584738

Finansijski podaci (2023):
• Prihod: 4.500.000 EUR
• Profit: 230.000 EUR
• Zaposleni: 42
• Assets: 2.100.000 EUR
• Debt ratio: 45% ✓ OK

Trend:
2021: 3.8M EUR ↗
2022: 4.1M EUR ↗
2023: 4.5M EUR ↗
RAST: Stabilan ✓

2. EU REGISTAR PREVOZNIKA:

EURT database check:
• Valid license ✓
• Infringements: 2 minor (2022)
• Vehicles: 25 trucks
• Average age: 4.5 years ✓
• Euro standard: 90% Euro 6 ✓

3. CREDIT CHECK (Dun & Bradstreet):

D-U-N-S: 36-584-7389
Rating: 3A2

Interpretation:
• 3 = Good financial strength
• A = Above average
• 2 = Low risk

Payment behavior:
• On time: 78%
• Late 1-30: 18%
• Late 30+: 4% ✓ Acceptable

4. TIMOCOM SCORING:

Username: EuroTransSK
Member since: 2012

Statistics:
• Completed: 1,847 transports
• Rating: 4.7/5.0 ★
• Reviews: 324
• Complaints: 3 (resolved)

Recent feedback:
"Reliable, good communication"
"Small delay but informed"
"Profesional service"

5. GOOGLE/MEDIA:

Search: "EuroTrans Slovakia problem"
Results: Nothing negative

LinkedIn: Active, 42 employees
Facebook: 4.5★ (89 reviews)

BONITET SCORE: 82/100 ✓
Category: RELIABLE

4.4 Referentna provera i black liste

Aktivnost

Proveriti reference i postojanje na black listama

Opis

Kontaktirati navedene reference, proveriti međunarodne black liste, konsultovati industriske asocijacije. Jedan loš prevoznik može koštati milione.

Primer

PROVERA REFERENCI:

Reference dostavljene:
1. Schenker Slovakia
2. DHL Hungary
3. Kuehne+Nagel Romania

POZIV REFERENCI:

1. Schenker (Martin K.):
"Da, radimo sa njima 3 godine.
Pouzdani, ponekad kasne ali jave.
Nikad velika šteta. Preporučujem."
Rating: 8/10

2. DHL (Zsolt B.):
"Good carrier. 50+ loads yearly.
Two claims in 2023, paid fairly.
Still using them."
Rating: 7/10

3. K+N (Adrian P.):
"Korektni. Cene OK.
Problem sa dokumentima ponekad.
Overall positive."
Rating: 7.5/10

AVERAGE: 7.5/10 ✓

---

BLACK LIST PROVERA:

1. TRANS.EU Black List:
Search: "EuroTrans Slovakia"
Result: NOT FOUND ✓

2. CLECAT Warning List:
Status: CLEAN ✓

3. IRU Database:
No incidents reported ✓

4. Internal Black List:
Checked: Our database
Previous work: NO
First time: YES
Similar names: NO

5. Balkan Network Check:

Email to partners:
"Anyone worked with
EuroTrans Slovakia?"

Responses (6):
- TransAdria: "No"
- Milšped: "Yes, OK"
- Glovis: "No issues"
- Transfera: "Good"
- Europa: "Reliable"
- Kuehne: "Approved"

VERDICT: 5/6 positive ✓

---

INDUSTRY ASSOCIATIONS:

ČESMAD Slovakia:
Member: YES ✓
Since: 2010
Status: Active
Complaints: None

IRU membership:
TIR carnet: AUTHORIZED ✓
e-CMR: Certified ✓

STATUS: VERIFIED CLEAN ✓

4.5 Risk scoring i odluka

Aktivnost

Kreirati finalni risk score i doneti odluku o saradnji

Opis

Na osnovu svih provera, dodeliti score 1-100. Score određuje: da li sarađujemo, koji limit vrednosti, kakve mere opreza, frekvenciju re-verifikacije.

Primer

RISK SCORING MATRIX:

Prevoznik: EuroTrans Slovakia

KATEGORIJE (max 100):

1. OSIGURANJE (30 points max)
☑ Validno: 10/10
☑ Pokriće adekvatno: 8/10
☑ Osiguravač pouzdan: 10/10
Subtotal: 28/30 ✓

2. FINANSIJE (25 points max)
☑ Stabilnost: 8/10
☑ Likvidnost: 7/10
☑ Trend rasta: 8/10
Subtotal: 20/25 ✓

3. OPERATIVA (20 points max)
☑ Fleet quality: 8/10
☑ Certifikati: 9/10
☑ Kapacitet: 7/10
Subtotal: 16/20 ✓

4. REPUTACIJA (15 points max)
☑ Online rating: 8/10
☑ Reference: 7.5/10
☑ Black list: 10/10
Subtotal: 13/15 ✓

5. COMPLIANCE (10 points max)
☑ Dokumenti: 9/10
☑ Licence: 10/10
☑ Associations: 9/10
Subtotal: 9/10 ✓

TOTAL SCORE: 86/100

KATEGORIJA: B+ (APPROVED)

---

ODLUKA MATRICA:

Score 90-100 (A+):
✓ Unlimited cooperation
✓ High value cargo OK
✓ Re-verify yearly

Score 80-89 (A/B+): ← OVAJ
✓ Approved {'<'} 200.000 EUR
✓ Standard cargo only
✓ Re-verify 6 months
✓ GPS mandatory

Score 70-79 (B):
⚠️ Test period 3 loads
⚠️ Max 50.000 EUR
⚠️ Payment after POD

Score 60-69 (C):
⚠️ Spot only if desperate
⚠️ Max 20.000 EUR
⚠️ Full tracking

Score {'<'}60 (D/F):
❌ REJECTED
❌ Add to black list

---

FINALNA ODLUKA:

Prevoznik: APPROVED ✓
Limit: 200.000 EUR/shipment
Pravila:
• GPS tracking required
• POD within 24h
• Payment terms: 30 days
• Re-verify: September 2024

Added to: Approved_Carriers.xlsx
Row: 458
Category: B+ International

4.6 Dokumentovanje i monitoring

Aktivnost

Arhivirati sve dokaze verifikacije i postaviti monitoring

Opis

Čuvati svu dokumentaciju kao dokaz da smo izvršili due diligence. Postaviti reminders za re-verifikaciju. Update sistem sa novim podacima.

Primer

DOKUMENTACIJA ARHIVIRANA:

Folder: /2024/Carriers/EuroTrans_SK/

Files saved:
1. Verification/
   ├── CMR_Policy_2024.pdf
   ├── Allianz_confirmation.msg
   ├── Call_recording.mp3
   ├── Email_trail.pdf
   └── Timestamp_log.txt

2. Financial/
   ├── Company_registry.pdf
   ├── Financial_report_2023.pdf
   ├── DnB_credit_report.pdf
   └── Bank_reference.pdf

3. References/
   ├── Reference_calls.docx
   ├── TIMOCOM_profile.pdf
   ├── Google_reviews.pdf
   └── Black_list_check.pdf

4. Scoring/
   ├── Risk_matrix.xlsx
   ├── Decision_memo.pdf
   └── Approval_form.pdf

TOTAL: 18 documents
Size: 47 MB
Retention: 7 years

---

SISTEM UPDATE:

1. CRM (Salesforce):
New carrier added
Score: 86/100
Status: Approved B+
Limit: 200k EUR

2. TMS (Transport Management):
Carrier ID: CAR-2024-458
Routes: All Europe
Excluded: Pharma, ADR

3. Finance (SAP):
Vendor: Created
Payment: 30 days
Currency: EUR
VAT: SK2021957483

4. Compliance calendar:
Re-verify: 20.09.2024
Insurance renew: 01.12.2024
License check: 01.12.2025

---

MONITORING POSTAVLJEN:

Daily:
☑ TIMOCOM rating change
☑ Black list pojave

Weekly:
☑ Google alerts
☑ Media monitoring

Monthly:
☑ Claims review
☑ Performance KPIs

Quarterly:
☑ Financial updates
☑ Reference re-check

Triggers for immediate review:
• Any claim >10.000 EUR
• Rating drop {'<'}4.0
• Black list report
• License suspension
• Bankruptcy filing

NOTIFICATION SETUP:
Email alerts to:
- Operations Manager
- Risk Manager
- Finance Director

STATUS: MONITORING ACTIVE ✓

First load test: Scheduled
Date: 25.03.2024
Value: 45.000 EUR (test)
Route: Budapest - Belgrade
Cargo: Standard pallets

Bez ove dokumentacije, osiguranje može odbiti isplatu štete! Čuvati minimum 7 godina!

5. Obučeni za proces

Ime	Status	Prosečno vreme	Success rate
Milica Dimitrijević	Obučena	2h/carrier	94%
Nikola Jovanović	Obučen	2.5h/carrier	91%
Tamara Stanković	U obuci	-	-

Standardi: Verifikacija 100% pre saradnje · Direktna provera 100% kod osiguravača · Re-verifikacija svakih 6-12 meseci · Eskalacija: Score <70 → Management

6. Radni napredak i odobravanje

Pravilo dvostruke provere — Izvršilac i Recenzent moraju biti različite osobe.

Korak	Aktivnost	Izvršilac	Realizovano	Recenzent	Kontrolisano	Komentar
4.1	Inicijalna provera dokumentacije	—	Na čekanju	—	Na čekanju	—
4.2	Direktna verifikacija osiguravača	—	Na čekanju	—	Na čekanju	—
4.3	Provera finansijskog boniteta	—	Na čekanju	—	Na čekanju	—
4.4	Reference i black liste	—	Na čekanju	—	Na čekanju	—
4.5	Risk scoring i odluka	—	Na čekanju	—	Na čekanju	—
4.6	Dokumentovanje i monitoring	—	Na čekanju	—	Na čekanju	—

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