Today insurance companies have a major task on the economic market. Living standards have changed, the individual is prepared to invest more and expand his own business, thus increasing the desire and need to secure property. The reason for insurance, beside burglary, is the divestment of property and robbery, as well as natural disasters. With all efforts to predict and react properly to them as much as possible, they continue to do great economic, financial and environmental damage. The earthquake at Sumatra, the fires in Australia, floods in Slavonia and many other catastrophes are an act of nature and must be answered as soon as possible by man. In the event of a disaster, the insurance undertaking shall pay the insurance undertaking the amount for the damage incurred for the assets provided and concluded by the insured undertaking. Insurance corporation shall measure their success on the market at gross premiums charged. The thesis will present oscillations and calculations of the premiums of Croatia Insurance, Allianz Insurance and Euroherc Insurance, three years apart, when the capital of the Republic of Croatia suffered an earthquake. For the global insurance market, the annual premium amounts with insured losses will be compared and differences in the financial aspects, economic consequences and environmental damage caused by the disasters, and insurance companies response to damage incurred will also be demonstrated , as well as how natural disaster affect them.