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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 (6)

  • Professional Indemnity (PI) Insurance for Software Developers

    Whether you are creating the next big computer program that will change the world, or you are a small app creator, there are risks involved. As a software development professional, you and your business are at risk anytime you are providing a professional service to a client. There are many reasons that a claim could arise that involves your business - day to day. Intentionally or not, some things can happen that can make a client unhappy and cause them to sue you. Copyright infringement, cyber attacks due to a vulnerability, damage to a clients property while you are working (i.e. coffee spilled on a computer), coding errors, and failure to complete your project on time are just some of the things that can be claimed by an unhappy customer. The best way to avoid having a significant financial loss is to contact your insurance broker and get one of the most important insurance coverages – Professional Indemnity insurance policy designed specifically for software developers. What Does Professional Indemnity (PI) Insurance for Software Developers Cover? You may also hear the words Errors and Omissions or Professional Liability when discussing Professional Indemnity insurance. It is crucial that as a software developer you have a Professional Indemnity insurance policy because mistakes can happen and some customers will be unhappy no matter how you try to correct the situation. In addition to the fundamental Professional Indemnity coverage, you will also be covered for defense costs. Defense costs can end up being over tens of thousands of euros depending on how the court case goes, and you will also be on the hook for court fees. Even if you win the court case, the attorney is going to charge you for their time so be sure to be prepared by having right insurance coverage. Claim Examples for Software Developer Let's break this down into a real-life example to help you determine if you need Professional Indemnity insurance coverage. A software developer entered into a contract with a client to create a specific kind of software. Maybe they were tired or having a rough time with their personal life, or just didn't have the time and year after the contract was signed they still hadn't completed it, and it had a lot of mistakes. The client declines to take the software at this point and ends up hiring another software developer to complete the software. Since the contract was breached, the client sues and wants to be reimbursed for the entire amount of the contract. The amount of the contract was 800 000 € plus damages for wasted money spent over the two years they were waiting for the software. If this happened to you and you didn't have the Professional Indemnity insurance for software developers, would you be able to pay the settlement? How Much Professional Indemnity Insurance Do I Need? As you can see from the real-life example mentioned above, just one claim can turn out to be very expensive. At the very least Inpro Insurance specialists recommend to carry 1 000 000 € per occurrence and 1 000 000 € to 5 000 000 € per aggregate (policy period). You should also take into account the size of your business. The bigger your business is and the more employees you have, the bigger your exposure to risks. Some other business insurance policies you should think about purchasing include: General Liability insurance Provides coverage for bodily injury and property damage. Some clients will require you to carry it to avoid possible fines. Employers Liability insurance If you have employees you should have a Employers Liability policy to cover if they are injured on the job. Cyber Loss Extention Cyber Loss means any loss, damage, liability, expense, fines or penalties or any other amount directly caused by the use or operation of any Computer System or Computer Network.

  • What Is Professional Liability Insurance for Consultants?

    As a consultant, you have an important job. At Inpro Insurance, we’re here to help protect it. We offer the wide range of coverages you need to stay successful in your career. In your line of work, one of the most important things to have is Professional Liability Insurance or PI (Professional Indemnity). This will help keep you protected in the professional services you provide. Consultants work hard for their clients, helping companies achieve their business goals. However, during this process, clients may become dissatisfied with their consultant’s performance, resulting in a lawsuit. That’s why having is so important. PI, also called Errors and Omissions insurance (E&O), can help cover claims of: Errors Omissions Negligence Misrepresentation Inaccurate advice Without professional liability insurance for consultants, you and your business assets can be at risk. Consultant insurance is a small expense that can go a long way in helping protect you while providing services to your clients. Do Consultants Need Liability Insurance? If you provide services directly to customers, you should add professional liability insurance coverage to your business consultant insurance plan. If someone sues your business and claims you made a mistake in the services provided, without coverage, you would have to pay legal costs out of pocket. For example, you’re working with a company trying to grow its operations. The strategies you propose don’t work and the company takes a big loss. As a result, they sue your consulting business. Professional liability insurance can help cover your legal fees and costs to defend your business. It can also help pay for settlements and judgments awarded with the lawsuit, if those are not an exclusion in your insurance contract. Different types of consultants can benefit from consultant liability insurance, such as: Business and management Business communications Market research Media Public relations and crisis management Business and leadership coaching Career coaching Corporate training Economic research Expense savings Human resource Organisation structure Wedding No matter how many years of experience you may have as a consultant, mistakes can still happen. This means you face a liability risk at any moment of your workday. Giving the wrong advice can cost clients a lot of money and they can sue you for a mistake. That’s why it’s essential to have professional liability insurance to help protect your business. Risks That Consultants Face by Not Having Professional Liability Insurance (PI) Consultants face many day-to-day risks, but not having professional liability insurance adds an additional risk of lawsuits. Without coverage, you can face expensive attorney fees, Court costs and defense expenses. There are many professional liability risks you face as a consultant. These examples show some of the common ones we cover: Giving bad advice to a client that results in them losing money. For example, if you try to help a client increase their sales but your plan causes them to lose revenue, they can sue you. Not completing a job according to the agreed upon terms. Let's say you own a market research firm. You give your client advice based on research your firm conducted, but it causes them to lose money. Your client sues you after finding out the research was flawed. Forgetting something in the services you provide. If you forgot to do a job that your client expected, they can sue your business.

  • Evolution Health from Morgan Price in Estonia

    Health Insurance from Morgan Price has been designed to meet the ever changing needs of the clients, expatriates generally, and the conditions in the countries in which clients live. Core elements always being included: • cancer cover • medical emergency benefits • in-patient and day-patient benefits • evacuation and repatriation benefits • chronic conditions • emergency dental treatment You can then select the level of cover that adds other benefits important to you, such as out-patient cover, dental or maternity. We have also included cover for treatment in your home country on all levels (excluding USA nationals) – something which many “expatriate” plans don’t cover. The plan has been designed to cover a very wide range of client requirements from basic level products for clients who live in countries where there is a good state system or who are on a limited budget, to more comprehensive levels of cover for those clients who really want to provide themselves with first class private cover for virtually any eventuality. Evolution Health has also been designed to be simple. The levels of cover increase from Standard to Elite. The rates are the same whether you pay in €/$/£ with the benefits associated with each currency being shown similarly (for example the overall maximum on the Elite level of cover will be £2,000,000 or $2,000,000 or €2,000,000). We really believe that with our combination of levels, currencies and annual excess options, there should be a level of cover under Evolution Health to suit any potential client. Morgan Price was set up to provide top quality international health insurance to expatriates all over the world. That is all we do, and as specialists, with many years experience in this field, we are totally committed to and focused on you, our client. Whether it be medical, travel, accident or any other type of health related insurance, we pride ourselves on being able to provide a solution to your requirements. #morganprice #healthinsurance

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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 Motor TPL Insurance Motor third party liability insurance is a compulsory third party liability insurance for all the vehicles. ​ 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 Cargo Insurance Subject of the insurance is cargo carried on conveyance from the point of departure to the destination. 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 Car GPS Tracking Want to know where the workers are? Car GPS tracking helps you keep an eye on your car fleet on your computer or mobile phone. 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 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 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 Corporate Travel Insurance Travel insurance is required for every traveler, regardless of gender and age. It is contentment and security during the trip. Explore Apartment Association Property Apartment association insurance consists of two parts: property insurance and liability insurance. 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 Useful reading Professional Indemnity (PI) Insurance for Software Developers 35 What Is Professional Liability Insurance for Consultants? 38 Evolution Health from Morgan Price in Estonia 17 Freight Forwarders Liability Insurance: The What, Why, How 7 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 or send an inquiry using "request quote" button. ​ 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 Bronze Silver Gold Compulsory med. examination of employees € 100 Yes 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 Insurance Compensations a year € 4,250 € 6,650 € 10,700 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 by phone: (+372) 383 8118 , email: info@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 both as part of the Corporate Health Insurance program or separately. More info about Dental Insurance here . ​ 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 Standard Plus 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 € Insurance premium a month (x12) - Region 1 107.90 € Insurance premium a month (x12) - Region 2 127.90 € Insurance premium a month (x12) - Region 3 227.90 € Morgan Price Comprehensive 1 000 000 € 177.90 € 207.90 € 427.90 € Morgan Price Premium 1 500 000 € 237.90 € 277.90 € 527.90 € 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 specialist by phone: (+372) 383 8118 , email: info@inpro.ee "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"

  • | Inpro Insurance

    Inpro Insurance REPORT A CLAIM Name Company Email Phone no. Claim details Upload pictures Upload pictures Upload documents Upload documents Upload supported file (Max 15MB) SEND Sent successfully!

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