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  • LIFE & HEALTH INSURANCE

    We will find the way to predict all the risks and find the insurance cover in accordance with your needs. We are in this together.

  • LIABILITY & PI INSURANCE

    We will find the way to predict all the risks and find the insurance cover in accordance with your needs. We are in this together.

  • OPERATIONAL RISKS ANALYSIS

    We will find the way to predict all the risks and find the insurance cover in accordance with your needs. We are in this together.

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Blog Posts (12)
  • What is professional indemnity (PI) insurance?

    Professional indemnity (PI) insurance is a commercial policy designed to protect business owners, freelancers and the self-employed if clients claim a service is inadequate. Any organisation which provides a professional service or gives advice could be sued if the recipient is unhappy with their work. A customer might say you were negligent, delivered the wrong training or made a mistake which cost them money. Professional indemnity cover, also known as professional liability insurance, is designed to safeguard service-based enterprises, come what may. As a professional, you take pride in doing great work, but if disagreements occur, this cover handles the cost of putting things right – including legal fees. What does PI insurance cover? Professional indemnity insurance is often explained in terms of what might go wrong – but what does it cover? Inpro Insurance Brokers can provide by Professional indemnity policies up to 3 million euros for legal fees or compensation costs. If your business makes a costly mistake – or a customer claims it has – then this financial assistance can help you to survive and thrive beyond the court case. Professional indemnity cover also provides industry-specific policies for tailored protection. As your business grows, we’ll help you to cover indemnity risks along the way. Professional liability insurance helps in a wide range of scenarios such as professional negligence claims, data loss claims and allegations you’ve given poor business advice. The primary reason for professional liability coverage is that a typical general liability insurance policy will respond only to a bodily injury, property damage, personal injury or advertising injury claim. Other forms of insurance cover employers, public and product liability. But various professional services and products can give rise to legal claims without causing any of the specific types of harm covered by such policies. Common claims that professional liability insurance covers are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. Inpro Insurance Brokers samples: IT SECTOR If a software product fails to perform properly, it may not cause physical, personal, or advertising damages, therefore the general liability policy would not be triggered; it may, however, directly cause financial losses which could potentially be attributed to the software developer's misrepresentation of the product capabilities. SECTOR OF DESIGN If a custom-designed product fails without causing damage to person or property other than to the subject product itself, a product liability policy may cover consequential damages such as losses from business interruption, but will generally not cover the cost to redesign, repair or replace the failed product itself. Claims for these losses against the manufacturer may be covered by a professional liability policy. Professional indemnity insurance only covers events which have occurred since you’ve held such a policy. This is called a retroactive date. What is a retroactive date in a professional indemnity policy? A retroactive date is the date from which you have held uninterrupted professional indemnity insurance cover (even if you changed insurer during this time) or a date in the past from which your insurer has agreed to cover you. Any claims that arise from events prior to this date is not covered by your insurance. When should I take out professional indemnity insurance? On the assumption that your business needs PI insurance, that you offer advice or professional services for example, then you should consider buying a policy from the first day you start trading to cover any room for error from day one. When buying a policy, one question you will be asked is from when you want the policy to run. If you have an existing PI policy in place, you should tell the new insurer the date that existing policy started – this becomes the “retroactive date”. The new policy will then start (the “inception date”) and work done before the inception date with the new insurer, all the way back to the retroactive date, will be included. Can you backdate insurance? If you didn’t initially choose to take out PI insurance, but later down the line realise the benefits for your business, it’s not too late to cover previous work done. When taking out your PI policy, you can ask for the policy to be backdated. The underwriter will want to be satisfied that you are not buying the policy with an ulterior motive – for example that if, after a few questions, it seems as if a claim may be coming your way. But if they are satisfied it was really an oversight and (with hindsight) a mistake, you may be offered terms to cover work previously done, with an agreed retroactive date prior to the start date of your new policy – however, you should expect to pay for this. The insurer is taking on additional risk, so this is likely to be reflected in the premium. So, yes retroactive date is a technical term for the industry, but one it’s important for small business owners to understand. Do you know how far back your PI policy covers you for work done? If the answer’s no, you may want to check your policy with your insurer for peace of mind. #professionalindemnity #inproinsurance

  • Freight Forwarders Liability Insurance: The What, Why, How

    Even the best freight forwarders cannot predict accidental damages to the cargo. Freight Forwarders Liability (FFL) Insurance provides coverage against these unforeseen damages or losses. Something that eases the financial strain on the company and reducing the risks involved. With global trade increasing every day, freight forwarders are expanding their network around the world. But, sailing in the uncertain waters comes with a host of possibilities and uncertainties. Having insurance during your operations can become more of a necessity than an option. Especially during unexpected circumstances and accidents leading to damages and financial losses. And for the freight forwarding company, who is liable for the shipment and has to bear the costs in case of any uneventful situations, it is important to keep in mind. That’s where Freight Forwarders Liability Insurance comes in. Here’s everything you need to know about it. The What, Why, and How… What is Freight Forwarders Liability Insurance? Freight forwarders are companies that handle and coordinate the shipment of goods through carriers via sea, air, rail, or road. The FFL insurance is specifically aimed to protect the freight forwarders. Against accidental damages or losses to the cargo until the time it is delivered. This insurance is crucial. It provides financial cover to the companies from the claims made by third parties for the lost shipment. Depending on the terms in the insurance, the FFL Insurance can cater to many. Such as: freight forwarders, non-vessel operating common carriers (NVOCC), haulage companies, warehouse keepers, logistics operators, multimodal transport operators, among others. Why is the Liability Insurance Important for Freight Forwarders? Liability = When a company is legally responsible for something. The freight company is responsible for the goods after it is handed over. The company is then liable for any damages or losses until the shipment is delivered to the receiver. Recently, a cargo ship lost 40 containers due to rough sea conditions off Australia’s east coast. Additional 70+ containers were damaged by heavy rolling due to instability. The key point is that even the best freight forwarders cannot predict accidental damages. There are many ways cargo is damaged – in ways that you wouldn’t have foreseen. Cargo can get damaged due to mishandling, natural calamity, any consequential losses, abandonment, vessel rerouting, late custom release, or even delay in paperwork. The cover for these losses can be fairly high – sometimes, even thousands of dollars! These unexpected damages can be financially heavy on the freight forwarding company. The FFL Insurance comes into play here, thus providing cover insurance for the losses and easing the financial strain. What is Covered in the FFL Insurance? Depending on the insurance company, the FFL Insurance cover: Damage or loss to the cargo during transit, Custom fines and duties (due to errors and omissions) including delays, Third-party liabilities (like legal expenses, mitigation costs, debris removal, etc.), Port authorities for any breach of regulation or duties, Uncollected or abandoned cargo, Financial claims from shippers and receivers, Operational services (like distribution, storage, haulage, packaging, etc.) against fire, explosion, or other natural calamities, Legal protection services to tackle unjustified third-party claims, Coverage for personal injury or employee injury during operations, Damage repair and lost units, Recovery and maintenance costs (full cover), etc. During insurance claim, your underwriter may assess several risk and liability factors, like: Cargo Details (Type of cargo being shipped, the value of goods, how it is packed, reefers or normal containers, etc.) Type of Service (How is the cargo transported, warehousing options, chassis services, etc.) Subcontractors Involved (their credibility, contracts, etc.) Receipt of the Freight (including payments to subcontractors, fines, duties, tax, fiscal charges, etc.) Other Important Documents (mainly Bill of Lading, and any other contract involved) How to Choose the Best Freight Forwarders Liability Insurance? Before you choose a company for insurance, there are a few things that you can keep in mind: 1. Know your exact requirements You need to have complete details about the shipment and your needs, before getting insurance. The insurance depends on the modes of transport being used, risks involved, customs duties, etc. 2. Check the ‘Inclusion’ and ‘Exclusion’ list It is extremely important to know what terms are included in the policy. On the contrary, do ask your insurance provider about what is not covered under the insurance. And whether you can cover that through extra charges. 3. Be assured of the credibility of the insurer The company providing the insurance should be backed by proof and provide credible information. Make sure to check the company and beware of any frauds. If you have any doubts or questions, don’t hesitate to ask the insurer about your concerns. We never know the risks and circumstances that may arise. Having freight forwarders liability insurance is a huge relief by reducing the risks involved and providing loss coverage. #inproinsurance #FFL #liability

  • Almost a Quarter of IT Employees in Estonia Are Foreigners

    Internationals engaged in the IT sector make almost a quarter of the employees of this field in Estonia, according to a recent statement of the Estonian government. The press release quotes the Prime Minister of the country Jüri Ratas, who talked on the issue during a meeting with representatives of start-ups, in which were discussed the opportunities for helping the private and venture capital market get more in shape, SchengenVisaInfo.com reports. According to Ratas, start-ups and the IT sector have high potential on offering high value-added products. “As almost a quarter of the employees in this sector are foreigners, because of our economic growth and competitiveness, it is important that Estonia must be a country where foreign talent wants to come,” Estonia’s Prime Minister pointed out. He also added that together with the Ministry of Economic Affairs and Communications and the representatives of the sector will find common solutions to support startup entrepreneurs. During the meeting, it was also discussed the current situation in the startup sector. According to the Estonian Startup Database, a total of 1,105 startups with almost 6,300 employees are registered in Estonia. As for the salary in this sector, it amounts to 2,508 euros, nearly 1.8 times higher compared to the average wage in Estonia. Throughout the meeting, was also discussed the introduction of new employment relations forms, in order to make labour legislation more flexible, some of which were proposed by start-up companies. “Working in Estonia and investing in it must be as easy as possible, and the legislation regulating it is supportive and relevant,” the PM highlighted. Estonia is among the EU countries with the highest number of startups per capita, according to e-Estonia. IT companies located in Estonia offer strategic consulting, IT development for reliable e-solutions and change management. Estonia is one of the friendliest countries in Europe for IT workers and companies. It even has a Digital Nomad Visa, which permits internationals to work for overseas employers or as a freelancer. Through the Digital Nomad Visa, aliens who are occupied in jobs independent of location can work remotely in Estonia. Technology, together with finance and marketing are main sectors in which internationals are engaged through the DNV, in Estonia. Also, Estonia’s e-Residency program, which is being considered successful, will be expanded in 20 different countries across the world. Health Insurance for expats in Estonia, discover more > #inproinsurance #healthinsurance

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  • Vedaja ja ekspedeerija vastutus | Inpro Insurance | Estonia

    Autovedaja ja ekspedeerija vastutuskindlustus KÜSI PAKKUMIST AUTOVEDAJA VASTUTUSKINDLUSTUS Vedaja vastutuskindlustus katab kahjud, kui vedaja on vastutav kaubale tekkinud kahjude eest, mille on põhjustanud ebaprofessionaalne CMR Konventsiooni kohustuste täitmine. Kahjude limiit on kindlaks määratud Konventsiooni tingimustes: mitte rohkem, kui 8,33 SDR kilogrammi kohta või 666 SDR koha eest. Vastutuse limiidid võivad olla eurodes või SDR-des. CMR kindlustusega on võimalik katta järgmised kahjud: Kahjustunud, hävinud või kadunud veos Rahalised nõuded kindlustatu vastu, näiteks kulud veose hilinemisest, valest sihtkohast või ümberpakkimisest Kolmandate isikute vastutus – Kolmandate isikute vara kahjustumine või hävimine transporditavate kaupade poolt. Antud klausli kohaselt on kindlustatu kaitstud ka kahjude vastu, mis võivad tekkida konteineritele transportimise ajal. Kindlustusjuhtumiga seotud veosekadumise kompenseerib kindlustusandja, kui kindlustatu ei ole selle eest vastutav või on kohustustest vabastatud. Raske hooletus Õigusabikulud ​ ​ Vedajad, kes transpordivad kaupu ka väljaspoole Euroopa Liitu, peavad omama ka lisakatet – TIR ehk tollikohustuste ja tollilõivude maksmise garantii transporditavatele kaupadele, kui nad ära kaovad. Tihti nõutakse CMR poliisi olemasolu ka erinevatesse ühendustesse liitumisel (näiteks ERAA-ga ehk Eesti Rahvusvaheliste Autovedajate Assotsiatsiooniga liitumisel. KÜSI PAKKUMIST EKSPEDEERIJA VASTUTUSKINDLUSTUS Ekspedeerija on vahendajaks veose omaniku ja vedaja vahel. Kohale toimetamata ja kahjustunud kauba eest esitab kauba omanik kahjunõude ekspedeerijale. Mitmetel juhtudel saab ekspedeerija esitada nõude edasi vedajale. Kuid näiteks kui vedaja vastutab veose kahjustamise eest ja tal puudub kehtiv CMR poliis siis välja kuulutades pankroti ta pääseb kohustusest veose omaniku eest ning veose eest vastutab ekspedeerija ise. ​ Ekspedeerija vastutuskindlustus katab kahjud veose omanikule, kolmandatele isikutele (näiteks laadimise/maha laadimise ajal), aitab katta ümberlaadimise võimalikud kulud, ümberpakkimise ja/või sortimise kulud (kui vaja), tollimaksud, kulud ning muud päästmise ja ladustamisega seotud lisakulud. general average ​ Kui on vaja, katab kindlustus ka raskest hooletusest, vigadest ja tegevusetusest tulenevad kahjud (hooletus, juhuslikud vead veose dokumentatsioonis ja marsruudi valikul). Veosekindlustus KÜSI PAKKUMIST VEOSEKINDLUSTUS Veosekindlustus võimaldab kindlustada kaupu nende transportimisel punktist A punkti B. See kaitseb kauba omaniku huvi olukorras, kus vedaja ei ole kohustatud kahju hüvitama või tema vastutus on piiratud. Autovedaja või ekspedeerija huvi kaitseb nende vastutuskindlustus . ​ Veosekindlustus tuleks kauba omanikul sõlmida siis, kui kauba tegelik väärtus on suurem kui kauba kaalu ja autovedaja või ekspedeerija vastutuse piirmäära korrutis (kauba kaal x 8,33 SDR). ​ Enamasti kindlustatakse veosekindlustusega ostu-müügilepingu objektiks olevaid kaupu. Veosekindlustuse lepingu peaks sõlmima ostu-müügilepingu osapool (ostja või müüja), kes kannab vastavalt tarneklauslile kauba kahjustumise, hävimise või kaotsimineku riski. ​ Võimalik on sõlmida kas ehk üksikpoliis või ehk avatud poliis mitme veose vedamiseks. Selline poliis sõlmitakse tavaliselt üheks aastaks. Veosekindlustus hüvitab veosega tekkinud kahju, mille põhjuseks on näiteks: ühe veose kindlustamise leping pikaajaline leping ​ röövimine tulekahju liiklusõnnetus loodusõnnetus vm. ​ Kindlustada on võimalik kõikide riskide või mõne teatud riski vastu. Kindlustusleping sõlmitakse vastavalt rahvusvaheliselt tunnustatud Londoni Kindlustusandjate Instituudi (Institute London Underwriters) poolt väljatöötatud klauslitele ( ). Institute Cargo Clauses - ICC ​ Veosekindlustuse Klauslid (A) Veosekindlustuse Klauslid (B) Veosekindlustuse Klauslid (C) ​

  • Korteriühistu kindlustus | Inpro Insurance Brokers

    Korteriühistukindlustus SAADA PÄRING KÜSI PAKKUMIST ​ irjuta meile: või saada päring. Kui päring on meieni jõudnud, siis sobiva lahenduse väljatöötamiseks analüüsime põhjalikult korteriühistu varaga või tegevusega seotud riske ning pakume teile erinevate kindlustusseltside võimalusi, millest saate valida endale kõige sobivama. K info@inpro.ee ​ Inpro Insurance Brokers pakub individuaalset lähenemist igale kliendile leides lahendusi vastavalt konkreetse ettevõtte vajaduste ning nõudmistele. ​ KORTERIÜHISTUKINDLUSTUS ​ Korteriühistukindlustus koosneb kahest osast: Varakindlustus (kolmandate isikute ees) Vastutuskindlustus Varakindlustusega on kindlustatud korteriühistu poolt hallatavad hoone osad ja rajatised ning vastutuskindlustusega saate korvata korteriühistu poolt hoone ja hoone juurde kuuluva territooriumi haldamisest tekitatud varalised kahjud kolmandatele isikutele ning soovi korral ka korteriühistu liikmetele. Tavalise kodukindlustusega kindlustatakse reeglina vaid korteri reaalosa (korteri siseviimistlus, põrandad, laed ja mittekandvad vaheseinad ning korterisisesed kommunikatsioonid kuni ühenduskohani). Seevastu hoone vundamendi; kandvad seinad ja laed; katuse; liftid; rõdud; ühiskasutuses olevad ruumid ning kommunikatsioonid ja tehnosüsteemid (kütte-, jahutus-, ventilatsiooni-, veevarustus-, kanalisatsiooni- ja gaasivarustussüsteem) kindlustab korteriühistukindlustus. ​ VARAKINDLUSTUSE KINDLUSTUSKAITSED Tulekindlustus - tulekahju, tahm, suits, pikselöögi otsetabamus, plahvatus Torustiku lekke kindlustus - ehitist teenindavast torustikust, mahutist või seadmest väljavoolanud aur, gaas, vesi või muu vedelik Tormikindlustus - torm, rahe, tormi tõttu ehitisele langenud puud või muud esemed; Üleujutuskindlustus - looduslik üleujutus Vandalismikindlustus - kolmanda isiku süüline tegevus ja maismaasõiduki otsasõit Varguskindlustus - ehitise välisosade vargusest tekkinud kahju Klaasikindlustus - klaaspindade purunemine ootamatu ja ettenägematu sündmuse tagajärjel Elektririkke kindlustus - hüvitatakse kindlustatud elektriseadmele tekkinud kahju, mille otseseks põhjuseks on elektrivoolu põhjustatud liig-, üle- või alapinge, lühis, elektririke Koguriskikindlustus - mis tahes ootamatu ja ettenägematu sündmuse tagajärjel kindlustatavale varale tekkinud kahju, mis ei ole kindlustustingimustega välistatud. Koguriskikindlustusega on kaetud ka hoone tehnosüsteemide sisemistest riketest tulenevad kahjud. KORTERIÜHISTU VASTUTUSKINDLUSTUS Korteriühistu vastutuskindlustus hüvitab kahju, mis on tekkinud korteriühistu vastutusalas, näiteks õnnetus liftis, koridoris või maja ümbruses. Vastutuskindlustus katab nii varalised kahjud, kui ka isikule kehavigastuse tekitamisest, tervise kahjustamisest tekkinud vajalikud ravikulud. Soovi korral on võimalik valida ka korteriühistu poolt korteriühistu liikmetele tekitatud kahju hüvitamine, näiteks korteriühistu vastutusalas oleva torustiku purunemisest tekkinud veekahju või tehnosüsteemidest alguse saanud tulekahju korteris paiknevale varale. ​

  • Kasko päring | Inpro Insurance Brokers | Kindlustus Eestis

    Kodukindlustus Päringu vorm Kindlustusvõtja andmed Eesnimi Email Isikukood Perenimi Tel nr. Soodustatud isik Kindlustusobjekti andmed Aadress Üldpind (m2) Ehitusaasta Objekti tüüp Objekti tüüp Korter Elumaja Suvila Muu arrow&v Objekti konstruktsioon Objekti konstruktsioon Kivi Puit Segu arrow&v Renoveerimise aasta Alaline elamiskoht? Alaline elamiskoht? Jah Ei arrow&v Nõustun isikuandmete töötlemiseks, vastavalt Inpro Insurance Brokers OÜ kliendiandmete töötlemise põhimõtetele SAADA Täname päringu eest! Vastame nii kiiresti, kui võimalik. Please leave this field empty.

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Inpro Insurance Brokers OÜ

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Phone: (+372) 383 8122

Email: info@inpro.ee

 

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