In recent years, given the very difficult economic situation in the country and the world, crediting consumption in society makes a very important segment of bank operations. Natural person (citizen-individual) using funds provided by the bank in the long term, not only to satisfy the basic needs and existential needs, such as housing, but also the procurement of items which allow a higher standard of living and therefore becomes the object of greater interest in terms of risk and security of investment for a longer period. The risks of classic credit business in today’s conditions, with reasonable certainty are hard to say that the loan will be duly repaid, represent a challenge to assess creditor’s safe credit placements. The insurance companies for many years now are recognizing and support the interest of the protection of creditors against the risk of nonpayment of lending in real goods and services and in international trade and investment, most notably in loans to natural persons where the range of insurance policies increased. The creditor’s arc thus given "protection" of insurance companies, which are developed specific coverage and insurance policies which provide download credit risks creditors and modulate them according to its own estimates, as well as the market demands. Insurance practice approach is elaborated on the basis of positive legislation and allows the risk of a credit transaction for the applicable premium under certain conditions switch to insurers. The aim of this work is in case study practically present reasons and to show the importance of credit insurance. To the lender, insurance claims represent the possibility that this is the method of protection in case the borrower fails to repay his debt within the agreed period. Whenever there is a claim, there is a risk that the borrower is unable to pay its obligations to the lender. Commercial banks with credit insurance easier and rather grant loans to the citizens, and thus increase the possibility of purchasing various goods and stimulating effect on the production and circulation of domestic companies. Any claim that occurs as a legally regulated and protected request of one of the participant’s compulsory legal relationship for the other participant to perform a certain performance it is considered to be the subject of an insurance contract.