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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 (9)

  • Working from home or from an office?

    Since the pandemic employees are gradually being reintroduced to the office setting. There have been a lot of talks lately about the benefits of remote work. Proponents of working from home argue that it is more productive and allows employees to have a better work-life balance. But is this really true? Or are there some drawbacks to working remotely that people don't often talk about? In this blog post, we will explore the pros and cons of both remote working and working in an office setting. Pros and cons working from home Some people argue that working from home is more productive because there are no distractions from colleagues or office politics. You can also create your own ideal work environment, which can boost productivity. And if you have young children, working from home allows you to be more flexible with your schedule and spend more time with them. Employees are happy with these benefits of working from home. One of the biggest drawbacks is that you can feel isolated and lonely when you work from home. It's easy to feel cut off from the rest of the world when you're stuck in your house all day. And without face-to-face interaction with colleagues, it can be difficult to build relationships and feel like part of a team. you may feel like you are missing out on networking opportunities that would be easy to come by in an office setting. Another downside of working from home is that it can be harder to stay focused and motivated. It's easy to get distracted by things like the TV or household chores. And without the structure of an office environment, some people find it more difficult to stay on task. Pros and cons working from an office One of the advantages of working from the office is that it allows for face-to-face interaction with colleagues. This can help build relationships and foster a sense of teamwork and community. Those spontaneous conversations over coffee or while passing in the hallway are hugely valuable. These moments can provide people with context about the business, new ideas, collaboration opportunities and potential insight into where work overlap is occurring. Additionally, being in an office setting can help some people segment work from personal life. Even if you love your job, it’s not healthy to feel like you’re working every waking hour. When you’re physically in the office, it’s easier to clock out at the end of the day and enjoy your personal time. Having a dedicated office space can also be helpful for staying focused and motivated. It can be difficult to stay on task when you’re working from your couch or kitchen table. Having a separate space for work can help you get into the right mindset and be more productive. It is often said that not all jobs are suitable for homeworking, but it is also true that not all homes are suitable for jobs. Hybrid Another possible solution is the hybrid workplace model, which is when employees split their time between working from home and working in the office. This can be a good solution for people who want the best of both worlds. For example, they can work from home two days a week and then come into the office for three days. Employees have the flexibility to agree with their manager on which days work best for them. Many companies have introduced hybrid working in order to try and balance the pros and cons of both remote and office working. This allows employees to have the best of both worlds, as they can enjoy the flexibility of working from home with the benefits of face-to-face interaction when they come into the office. In other words, a hybrid workplace offers flexibility, for those employees who want it. It attracts a new generation of workers who demand it. The hybrid workplace boosts employee happiness and cuts down on costs. This change isn’t on the horizon; it’s already happening. What’s best? There is no one-size-fits-all answer to this question. It depends on your individual needs and preferences. If you enjoy working in a team setting and need the structure of an office environment to stay focused, then working in an office may be the best option for you. But if you prefer to work independently and value the flexibility that working from home offers, then remote work may be a better fit. Ultimately, it's up to you to decide what type of environment will allow you to be the most productive and happy. At Inpro Insurance, we do hybrid. Do you think that remote work is a good solution for companies and its employees? Do you think that it has more advantages or disadvantages? What are your thoughts on hybrid working, is this the new way forward? Let us know in the comments!

  • Who is an Insurance Broker?

    An insurance broker is a specialist in insurance and risk management. Insurance Brokers act on behalf of their clients and provide advice in the interests of their clients, differently from insurance agents, who work on behalf of an insurer. A broker will help you identify your business risks to help you decide what to insure, and how to manage those risks in other ways. An insurance broker might specialise in one specific type of insurance or industry, or they might deal with many different types. Insurance brokers can give you technical advice that can be very useful if you need to make a claim. Insurance Brokers are aware of the terms and conditions, benefits and exclusions, and costs of a wide range of competing insurance policies, so they can help you find the most appropriate cover for your own circumstances. Brokers can help arrange and place the cover with the chosen insurer and can often provide advice on how to make the most of your insurance budget. Regulations All insurance brokerages in Estonia must have an Estonian Financial Authority (Finantsinspektsioon) licence, and be listed here Where a broker provides you with personal financial advice then in accordance with the regulations they must: • Act in your best interests • Provide you with appropriate advice • Warn you if their advice is based on incomplete or inaccurate information • Prioritise your interests where there is a conflict with their own interests (or interests of a related party) Do you have to pay for the services of a broker? When the policies are purchased, many insurance brokers get paid a commission. Other insurance brokers act on a fee-for-service basis and negotiate the fees they charge with their clients. Ask your broker to explain the situation to you. Does it cost more to use a broker? Not necessarily. It can cost less because brokers have knowledge of the insurance market and can negotiate competitive premiums on your behalf. Remember, not all insurance policies are the same. You might be able to get a cheaper policy elsewhere, but it may not provide the cover you need if something goes wrong.

  • Insurance for Amazon seller

    If you’re an Amazon seller, chances are you’ve noticed some seismic changes in the e-retail landscape these last few years. Online sellers have seen a significant uptick in sales since the start of the COVID-19 pandemic, as more shoppers swap traditional brick-and-mortar shops for virtual shop fronts. Lockdown or not, it’s a trend that seems here to stay. Consumers have embraced the speed and convenience of shopping online. And that’s nothing short of good news for your bottom line, of course. That said, there’s a balance to be had. If something goes wrong and your business takes a hit, you could see your funds drain away quicker than a blink of an eye. So, now might be the time to bag a little something for yourself for a change. Something in the shape of Amazon seller’s insurance, perhaps. Here’s why. Who'd have thunk it? If adjusting to life during a pandemic has taught us anything, it’s to expect the unexpected. Like a kitchen gadget that sparks a fire in someone’s home after its batteries overheat. Or a customer who sues you after the heavy ornament they’ve ordered slips out of its safety packaging and injures their foot. Thankfully, accidents like these aren’t in the main. But it takes only one of them to make a sizeable dent in your business. Rightly or wrongly, you’ll have to defend yourself – and pay out of your own pocket to do it, too. Plus you’ll need to figure in court costs, legal representation and possibly also compensation, likely amounting to several thousands euros. Unless you have Amazon seller’s insurance that is, which’ll do all that for you. Why do I need Amazon seller's insurance? As a third-party seller, you can’t assume the platform you sell on will pick up your legal tab. Or that the injured party will chase after the bigger boys for compensation, and not you. Also, if you occasionally ship to countries that err on the litigious side, like the States, there’s every reason to be careful there too. That’s where Amazon product liability insurance comes into play. It covers you if someone claims against you for damages. In other words, where something you’ve sold has injured someone, damaged their property or made them sick. You have a case to argue – but you don’t have to do it yourself. Product liability insurance for Amazon sellers covers the costs of a lawyer who’ll represent you in court. If it turns out you have to pay damages to the injured party, it’ll cover that too. Insurance requirements for selling on Amazon In Estonia, General Liability insurance does not include Product Liability insurance, and you have to request it as an endorsement or as separate product. Some Amazon sellers may need commercial umbrella insurance (complex of insurances) to boost their liability coverage limits. Amazon requires business insurance for Amazon Pro Merchants and sellers with gross proceeds of over 10 000 US dollars during any month from sales on its platform. According to the Amazon Services Business Solutions Agreement, the minimum requirements are one million euros per-occurrence and one million euros aggregate limits of commercial general liability insurance and product liability insurance. Your insurance must be valid (ie must cover the dates you’re trading and have been bought through a reliable insurer). Your policies must name Amazon and its assignees as additional insureds. Amazon sellers looking for safe, reliable cover for their products. So whether you trade on Amazon US or across a number of platforms, you’re covered if a customer accuses your products of causing them loss, damage or injury. If things escalate and sparks start to fly, you can bank on knowing that your insurer will step in to settle the claim. Tough breaks By the very nature of the way they do things, most Amazon sellers have little to no contact with the public or anyone else connected to their business. So there’s no need for insurance there. Except that’s not true, is it? Even if you pack and ship everything from home, you’re still likely to have couriers come to your door (and often in a rush). And though you might not be meeting face-to-face with suppliers now, there’s every chance that you will in the future. Public liability insurance covers your liability if a member of the public gets injured as a result of coming into contact with your business. So if the postie trips over a loose paving stone in your driveway and breaks a hip, or your pop-up stall topples over and takes someone down with it, you’re not left shouldering the bill yourself. Because public liability covers occasional selling at events and markets too. Good buy or goodbye? Lastly, it’s worth thinking about one of your most important assets: your stock. Without it, you can’t sell. And if you can’t sell, you don’t have a business. If, like most sellers, you store, sell, pack and ship most of your products from home, you might assume your home insurance policy would compensate you if any of it gets lost, damaged or stolen. Except there’s every chance it won’t. Home insurance is typically designed to cover domestic property and so insurers generally won’t cover your business losses. Stock and property insurance, on the other hand, takes care of any stock or equipment connected with your business. It pays to repair or replace your stock if light fingers or a burst pipe mean you don’t have any to sell. And it also covers the things you need to sell in the first place ie your PC, printer, desk etc. Before you decide exactly what insurance you need, it’s worth checking up on Amazon’s requirements for selling in the UK and Europe, as set out in their sellers’ agreement (or Europe Business Solutions Agreement, if you want to look it up). For help on insurance for Amazon sellers, call us on +372 3838 118. Or write an email: info@inpro.ee

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  • Inpro Insurance Brokers | Corporate Insurance Solutions | Estonia

    Carrier’s & Forwarder’s Liability Property & Business Risks Liability Insurance Health Insurance Professional Indemnity (PI) Life & Accident Insurance Traffic Insurance (Motor TPL) Vehicle Insurance (Casco) Travel Insurance Cargo Insurance Construction (CAR & EAR) Machinery & Equipment (CPM) Corporate Client insurance solutions Corporate Property Insurance Covers the damage of building or its part, processing areas, warehouses, ramps, transport junctions, office interior. Explore Corporate Health Insurance Corporate Health Insurance is intended for covering the medical expenses of the company’s employees. Great value to an employee’s benefits package. Explore Life & PA Insurance Helps your family if you can no longer be a loan payer. The main insurance cover of a life insurance policy is death benefit. Explore Directors and officers The main goal of the directors and officers liability insurance is to provide cover for a company’s executives against claims arising from their decisions. Explore Insurance for Amazon Sellers What types of business insurance do Amazon sellers need? Inpro Insurance helps Amazon sellers find policies that match their unique risks and requirements. Explore Machine & Equipment Insurance For construction equipment, tractors, excavators, agricultural and forestry machines, etc. Explore Cyber Risks Insurance For companies whose operations depend on IT systems and web solutions. Cover the cost of reporting a data leak. Explore Casco Insurance Casco insurance can be used to insure different types of vehicles that are permanently or temporarily registered in the Republic of Estonia. Explore Liability Insurance Liability Insurance protects Assured against damage they caused to property or health of third parties. ​ Explore Professional Indemnity (PI) Commercial policy designed to protect business owners, freelancers and the self-employed if clients claim a service is inadequate. Explore Transport & Cargo Insurance Carrier Liability Insurance (CMR), Freight Forwarder Liability Insurance and Freight Insurance Solutions ​ Explore Construction Insurance (CAR) Construction insurance is required for construction companies, whether it is a general contractor, a subcontractor or owner. Explore Insurance for E-Residents Insurance solutions for e-residents (Estonia). Professional Indemnity, E&O, General Liability, Products liability, Cyber Insurance, Health Insurance, Employers liability Explore Cargo Insurance Subject of the insurance is cargo carried on conveyance from the point of departure to the destination. Explore Motor TPL Insurance Motor third party liability insurance is a compulsory third party liability insurance for all the vehicles. ​ Explore Corporate Travel Insurance Travel insurance is required for every traveler, regardless of gender and age. It is contentment and security during the trip. Explore Useful reading Working from home or from an office? 14 Who is an Insurance Broker? 13 Insurance for Amazon seller 30 Professional Indemnity (PI) Insurance for Software Developers 53 Read more >

  • Corporate Health Insurance | Estonia | Inpro Insurance

    Health Insurance REQUEST QUOTE ASK FOR AN OFFER ​ Are you an employee-friendly and caring employer? Do you want to support the retention of employees' ability to work and thereby reduce the number of incapacity for work days? Is it important for you that your employees receive affordable and faster solution to their health concerns? Ask for an offer now, write to us: info@inpro.ee send an inquiry using "request quote" button or contact our specialists directly . ​ We offer an individual approach to each client, offering a Corporate Health Insurance solutions according to the requirements and possibilities of a specific company. ​ TAX REDUCTION From 2018, entrepreneurs will be able to pay health insurance contract insurance premiums up to € 100 per quarter (400 € per year) per employee tax-free. ADVANTAGES FOR AN EMPLOYER ​ Helps enhance the reputation of an employer on the work market Certainly, gives an advantage in recruitment Increases the satisfaction of the existing workers and helps decrease employee turnover by giving a picture of a caring employer Helps support the upkeep of a worker’s productivity and reduces the number of days that an employee is unable to work The employee can choose a suitable doctor and treatment facility The employee can deal with health concerns more quickly and economically Employees with a positive mindset are more open and adjust to changes more easily ​ ADVANTAGES FOR AN EMPLOY EE ​ Opportunity to visit a specialist without a referral Allows the choice of a suitable doctor and treatment facility Private care costs are covered, which is not included in the State Insurance Fund Decreases personal expenditures due to health Quick and confidential – health information is not share with the employer INDICATION HEALTH INSURANCE FOR EMPLOYEES REQUEST QUOTE Pakett Inpro 20 Pakett Inpro 33 Pakett Inpro 40 Bronze Silver Gold Yes Compulsory med. examination of employees € 100 Yes Optics (glasses and contact lenses) € 50 € 100 € 150 Vaccination (influenza, encephalitis, hepatitis) € 100 € 100 € 100 Paid outpatient services € 2,000 € 3,000 € 5,000 Paid in-patient services € 2,000 € 3,000 € 5,000 Rehabilitation services - € 150 € 150 Medications - € 100 € 100 Dental care 200 € 250 € 500 € Insurance Compensations a year € 4,250 € 10,700 € 6,650 Insurance premium (paid monthly) x12 € 20 25 € € 30 This is an indicative premium rate, which depends on the specifics of the company, the number of employees and the average age of the employees. The deductible rate depends on the package and can be 0% -20%. The higher the deductible, the lower the insurance premium. For more information, contact our specialist. CONTACT OUR SPECIALISTS FOR MORE INFO Arina Mesropjan Phone: +372 5883 8533 Email: arina.mesropjan@inpro.ee Terri Tamm Phone: +372 5883 8933 Email: terri.tamm@inpro.ee Gerli Lees-Leesma Phone: +372 5883 0803 Email: gerli.lees-leesma@inpro.ee CORPORATE HEALTH INSURANCE ​ Health insurance is the most valued social guarantee on the labor market that an employer can offer an employee. Health insurance for employees is an insurance voluntarily taken out by an employer in the interests of its employees to supplement the state health insurance system. This is a great added value for employee motivation. Studies show that employees value an employer who cares about their health and well-being. In addition to holidays and flexible working hours, health insurance, life insurance and personal accident insurance have also become important. ​ Health insurance allows the company's employees to use paid medical services at no additional cost or at a lower cost (depending on the insurance program) and to get necessary medical treatment faster. Health insurance for employees is suitable for companies of different sizes in different sectors. ​ EMPLOYEE HEALTH INSURANCE ALSO COVERS DENTAL ​ Corporate Health Insurance also covers dental care for the company's employees, under which the company insures its employees in case they incur regular dental expenses or dental expenses caused by an accident. Dental Insurance is available only as part of the Corporate Health Insurance program. ​ WHAT RISKS ARE COVERED? ​ The employer has the opportunity to choose which programs and amounts are included in the Health Insurance Contract. For example, partially or fully reimbursed paid medical services can be added, a certain amount of limit can be set within which the medical services can be used. Employers can also choose to include compulsory health examinations of its employees in the Health Insurance Contract. ​ INSURANCE TERRITORY Depending on the wishes and needs of the employer, the territory of the Corporate Health Insurance may be the Republic of Estonia or the Baltic States. In case of international insurance solutions (Morgan Price Health Insurance: Standard Plus , Comprehensive , Premium ) - Europe, Worldwide except USA, China, Singapore and Hong Kong or Worldwide. ​ FAMILY MEMBERS ​ Some health insurance solutions also extend to the employee's family members . Contact our specialists by email: info@inpro.ee or phone: (+372) 383 8118 ​ Morgan Price Health Insurance ASK FOR AN OFFER Inpro Insurance Brokers OÜ is an official intermediary of Morgan Price International Healthcare Ltd. insurance products in Estonia. Morgan Price International Healthcare Ltd. is a member of the Association of International Medical Insurance Providers . As one of the corporate health insurance solutions, Inpro Insurance offers three Morgan Price insurance plans: Standard Plus , Comprehensive and Premium . You can select "European Countries", "Worldwide except US, China, Singapore, Hong Kong" or "Worldwide" as the health insurance region. REGION 1 - EUROPE ​ Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Channel Islands, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Great Britain, Greece, Greenland, Hungary, Iceland, Ireland, Mediterranean islands, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia (west of Urals), Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, Vatican State REGION 2 - WORLDWIDE ​ (excl. USA, China, Singapore and Hong-Kong) REGION 3 - WORLDWIDE ​ Tervisekindlutus - ravikindlustus - Inpro Insurance Brokers HEALTH CHECKS We have included cover for annual health checks on our more comprehensive plans as we feel prevention is as important as treatment. avikindlustus - Inpro Insurance Brokers EMERGENCY ASSISTANCE All of our plans include access to our 24 hour multi-lingual assistance helpline, 365 days a year. We will provide the hospital with verification of your policy details and if necessary, a treatment guarantee. We will also pay the provider directly for any in-patient treatment costs incurred. avikindlustus - Inpro Insurance Brokers TREATMENT ANYWHERE Freedom to choose which facility you use for your treatment within your area of cover. avikindlustus - Inpro Insurance Brokers WIDE RANGING COVER We cover in-patient and day-patient hospital treatment costs, as well as a wide range of comprehensive out-patient benefits. In addition, there is cover available for routine dental treatment and routine maternity costs. All our plans include evacuation benefits as standard in case you need emergency in-patient treatment which cannot be given to you at your point of need. ASK FOR AN OFFER Morgan Price Morgan Price Standard Plus Comprehensive In-patient and day-patient treatment Evacuation and repatriation Treatment for cancer Cash benefits Home country cover excluding USA Treatment for chronic conditions Out-patient services Routine maintenance for chronic conditions Diagnostic tests, x-rays and pathology Emergency treatment outside area of cover Organ transplants Routine health checks Dental Routine maternity Infertility treatment TOTAL Insurance Compensations a Year 750 000 € 1 000 000 € Insurance premium a month (x12) 75 € 100 € Morgan Price Premium 1 500 000 € 125 € This is an indicative rate, which largely depends on the age of the insured person and also on the number of employees in the company. The deductible for the above indication is 0%. For more information, contact our specialists. "I want to take the opportunity to thank you and your entire team for the quick and good service concerning my request for approval of treatment costs. Due to your staff, I got a quick confirmation for cost coverage of necessary investigation and to my surprise, the reimbursement of my bill from my first visit in hospital was already in my account within 5 days. Great" "Thank you for your assistance. Having never dealt with this kind of situation before it is a little challenging. I am very impressed with the way it had been handled by Morgan Price and cannot thank you enough for your prompt replies and support" "You can tell the insurer that the Island Hospital, Penang were very very impressed with their professional attitude and their prompt payments. The Island Hospital doctors and accounts department staff told me that it is by far the best experience they have ever had with an overseas insurer and it was a pleasure to deal with them" "I can confirm I have been very happy with the Morgan Price service. Unfortunately, I have had to claim a lot over the last year and the service has been excellent. I would be more than happy to renew with Morgan Price"

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