Home Insurance REQUEST QUOTE ASK FOR AN OFFER ​ As soon as your request is received, we will analyze the risks associated with your property / activity and provide you with a choice of insurance solutions from which you can choose the most suitable. Ask for an offer now, write to us: info@inpro.ee or send an inquiry using "request quote" button. ​ Inpro Insurance provides each client by individual approach offering insurance solutions in accordance with the needs, requirements and possibilities of each specific client. ​ 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 TOTAL Insurance Compensations a Year 750 000 € Insurance premium a month (x12) 75 € Morgan Price Comprehensive 1 000 000 € 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. HOME INSURANCE AND PROPERTY INSURANCE ​ The basic home insurance solution , which is also required by all banks and credit institutions, is the minimum protection under home insurance, which includes the following insurance risks: ​ Fire, fire due to construction error Direct lightning strike Explosion Storm and strong wind Equipment leakage (water pipes, sewerage, heating and ventilation systems) Vandalism Burglary, robbery ​ Total risk insurance is the maximum protection under home insurance in case of an unexpected and unforeseen loss event. The terms and conditions of total risk insurance include only exclusions (losses that are not indemnified): losses due to wear, corrosion, mold, rodents and other pests, subsidence, design errors, in other words, all losses that can be foreseen and prevented. Extended home insurance total risk insurance also includes: ​ Damage caused by water infiltrating the building structure (roof, wall) Further damage caused by the movement of snow or ice ​ WHICH OBJECTS CAN BE INSURED ​ Apartment - only interior finishing (floors, ceilings, walls), load-bearing and exterior walls are not insured here. The apartment is insured for its restoration value. Along with the interior finish, the following are automatically insured: electrical system, electricity meter, built-in sanitary equipment. Interior finishes also include built-in wardrobes, wood-burning stoves and suspended ceilings. ​ Part of the building - in addition to the interior finishing of the apartment, it is also possible to insure the imaginary part of the house belonging to the apartment, ie the exterior finishing, part of the basement or attic, shared balcony and corridor. ​ When insuring a house, the interior and exterior walls, roof, veranda and stairs are covered. Along with the building, smaller outbuildings (10-20m²) are also insured. In addition, facilities such as a fence, street lighting, a playground, a greenhouse and other similar small buildings are also insured. Larger buildings must be indicated separately on the policy. The insurance of a non-residential house and a cottage is not very different from the insurance of an ordinary building. However, the insurance risk is higher and the insurance premium is higher because it is not their permanent residence. Some insurers do not cover damages due to pipeline leaks in such houses, and the risk of burglary is covered only if the automatic burglar alarm is connected to a security company. It is also possible to insure a building under construction when the box of the building is ready, ie there are walls, roof, windows and doors, but the choice of insurable risks is limited. Outbuildings such as saunas, sheds and garages can also be insured, but the range of risks is limited. ​ HOME PROPERTY INSURANCE ​ In addition, we definitely recommend choosing home property insurance, which protects movable property located in a building or apartment (for example, furniture, interior elements, houseplants, household appliances, clothing, etc.). ​ ADDITIONAL HOME INSURANCE OPTIONS ​ Temporary housing rental cost insurance - if the home has become uninhabitable as a result of the insured event, the rental costs of the temporary housing, as well as the costs necessary for moving are reimbursed. Loss of rental income - if the rented building or apartment becomes uninhabitable, the lost rental income will be compensated for up to 12 months. Liability insurance - accidents with water supply, heating and other systems can occur in both new and old houses. They can cause harm not only to the insured but also to third parties (such as lower neighbors). It is therefore sensible to add civil liability insurance to home insurance. ​ Apartment Association Insurance APARTMENT ASSOCIATION PROPERTY INSURANCE ​ Property insurance of the apartment association covers the parts and facilities of the building managed by the apartment association, and with liability insurance you can compensate the property damage caused by the apartment association to the management of the building and the territory belonging to the building to third parties and, if desired, to the apartment association members. As a rule, only the real part of the apartment is insured with ordinary home insurance (interior decoration of the apartment, floors, ceilings and non-load-bearing partitions, and internal communications to the connection point). In contrast, the foundation of the building; load-bearing walls and ceilings; roof; elevators; balconies; common areas and communications and technical systems (heating, cooling, ventilation, water supply, sewerage and gas supply system) are insured by apartment association insurance. ​ APARTMENT ASSOCIATION PROPERTY INSURANCE COVERAGE Fire insurance - fire, soot, smoke, lightning strike, explosion Pipeline leakage insurance - steam, gas, water or other liquid escaping from the piping, tank or equipment serving the building Storm insurance - storm, hail, trees or other objects that have fallen on the building due to a storm; Flood insurance - natural flood Vandalism insurance - wrongful actions of a third party and collision of a land vehicle Theft insurance - damage caused by the theft of the external parts of a building Glass insurance - breakage of glass surfaces as a result of an unexpected and unforeseen event Electrical failure insurance - indemnified damage to the insured electrical equipment, the direct cause of which is over-voltage, over-voltage or under-voltage caused by electric current, short circuit, electrical failure Total risk insurance - damage to the insured property caused by any unexpected and unforeseen event, which is not excluded by the insurance terms and conditions. The total risk insurance also covers losses arising from internal failures of the building's technical systems. APARTMENT ASSOCIATION LIABILITY INSURANCE Apartment association liability insurance indemnifies for damage that has occurred in the apartment association's area of ​​responsibility, such as an accident in an elevator, corridor or around a house. Liability insurance covers both property damage and the necessary medical expenses arising from personal injury or damage to health. If desired, it is also possible to choose compensation for damage caused to the members of the apartment association by the apartment association, for example, water damage caused by the rupture of the pipeline under the responsibility of the apartment association or fire from technical systems. ​ REQUEST QUOTE

Liability Insurance for Amazon Sellers REQUEST QUOTE ASK FOR AN OFFER ​ As soon as your request is received, we will analyse the cyber risks associated with activity of your company and provide you with a choice of insurance solutions from which you can choose the most suitable. 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 insurance solutions according to the needs, requirements and possibilities of each specific company. ​ What are Amazon seller insurance requirements? ​ Amazon requires business insurance for Amazon Pro Merchants and sellers with gross proceeds of over $10,000 during any month from sales on its platform. According to the Amazon Services Business Solutions Agreement , the minimum requirements are 1 000 000€ per-occurrence and 1 000 000€ aggregate limits of commercial general liability insurance and product liability insurance. ​ General liability insurance often includes product liability insurance, or you can add it as an endorsement. Some sellers may need commercial umbrella insurance (or excess liability insurance) to boost their liability coverage limits. Your policies must name Amazon and its assignees as additional insureds. Sellers may need to mail a certificate of insurance to Amazon to prove they carry this coverage. ​ Why do Amazon sellers need liability insurance? ​ Business insurance helps Amazon sellers recover from costly accidents, such as a fire at a storage unit that destroys your inventory. Some policies, like a general liability policy, are required once you sell a certain amount. ​ Inpro Insurance helps Amazon sellers find policies that match their unique risks and requirements. Fill out one free application to compare quotes from top-rated insurance companies. ​ Expore more about insurance for Amazon Seller > here . ​ ​ How do I get Liability insurance for Amazon Seller? ​ Sales fluctuate, and you may suddenly find you've hit the threshold where you need insurance coverage – fast. Amazon sellers can get insured quickly with Inpro Insurance if you have your business information on hand. Our application will ask for basic facts about your company, such as revenue, forecasted revenue for the next year and number of employees. You can get coverage and certificate of insurance with Inpro Insurance in three easy steps: ​ 1. Push the button "REQUEST QUOTE" 2. After we receive your request, we shall send you the simple form to be filled out 3. Confirm our offer, pay for your policy and get a Certificate of Insurance Inpro Insurance is licensed to work with top-rated EU carriers to find coverage that fulfills Amazon's insurance requirements, whether you're an independent contractor or hire employees. Get insured today and find peace of mind knowing your business can survive the unexpected.

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 Package Inpro 20 Package Inpro 33 Package Inpro 40 Bronze Silver Gold Compulsory med. examination of employees 100 € 150 € 200 € Optics (glasses and contact lenses) 50 € 100 € 200 € Vaccination (influenza, encephalitis, hepatitis) 100 € 100 € 200 € Paid outpatient services 3 000 € 4 000 € 5 000 € Paid in-patient services 3 000 € 4 000 € 5 000 € Rehabilitation services 250 € 300 € 500 € Medications 50 € 100 € 150 € Dental care €200 €250 €500 Insurance Compensations a year 6 750 € 9 000 € 11 750 € Insurance premium (paid monthly) x12 € 20 33 € € 40 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 Specialists Arina Mesropyan Phone: +372 5883 8533 Email: arina.mesropjan@inpro.ee Terri Tamm Phone: +372 5883 8933 Email: terri.tamm@inpro.ee Valeri Golik Phone: +372 5855 8558 Email: valeri.golik@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 ​ HEALTH CHECKS We have included cover for annual health checks on our more comprehensive plans as we feel prevention is as important as treatment. 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. TREATMENT ANYWHERE Freedom to choose which facility you use for your treatment within your area of cover. 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) 75 € Morgan Price Comprehensive 1 000 000 € 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"

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 Package Inpro 20 Package Inpro 33 Package Inpro 40 Bronze Silver Gold Compulsory med. examination of employees 100 € 150 € 200 € Optics (glasses and contact lenses) 50 € 100 € 200 € Vaccination (influenza, encephalitis, hepatitis) 100 € 100 € 200 € Paid outpatient services 3 000 € 4 000 € 5 000 € Paid in-patient services 3 000 € 4 000 € 5 000 € Rehabilitation services 250 € 300 € 500 € Medications 50 € 100 € 150 € Dental care €200 €250 €500 Insurance Compensations a year 6 750 € 9 000 € 11 750 € Insurance premium (paid monthly) x12 € 20 33 € € 40 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 Specialists Arina Mesropjan Phone: +372 5883 8533 Email: arina.mesropjan@inpro.ee Terri Tamm Phone: +372 5883 8933 Email: terri.tamm@inpro.ee Valeri Golik Phone: +372 5855 8558 Email: valeri.golik@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 ​ Explore more regarding Health Insurance for Employees: here. ​ 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 ​ HEALTH CHECKS We have included cover for annual health checks on our more comprehensive plans as we feel prevention is as important as treatment. 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. TREATMENT ANYWHERE Freedom to choose which facility you use for your treatment within your area of cover. 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) 75 € Morgan Price Comprehensive 1 000 000 € 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"

EU SANCTIONS In accordance with EU sanctions against Russia. Starting from June 19th, 2023, concluding the new insurance contracts or renewing already concluded insurance contracts, we do not intermediate insurance coverage for corporate property or equipment and cargo originating from or transported from the Russian Federation, Belarus, Luhansk, Donetsk and/or Crimean areas. ​

Dental Insurance TO WHOM? ​ All Estonian or foreign citizens aged 19-70 can join the dental insurance, regular treatment is provided in Estonian dental clinics WHAT IS DENTAL INSURANCE? An insurance solution that reimburses you for dental expenses incurred during the insurance period (1 year) in the terms and conditions of the insurance contract INSURANCE COVER Dental insurance offers insurance coverage for regular e. conventional treatment, accident treatment (in Estonia and abroad) and oral cancer treatment if necessary 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. INDICATION HEALTH INSURANCE FOR EMPLOYEES REQUEST QUOTE Inpro 20 Inpro 33 Inpro 40 Bronze Silver Gold 100 € Compulsory health checks 150 € 200 € Optics (glasses and contact lenses) 50 € 100 € 200 € Vaccination (influenza, encephalitis, hepatitis) 100 € 100 € 200 € Paid outpatient services 3 000 € 4 000 € 5 000 € Paid in-patient services 3 000 € 4 000 € 5 000 € Rehabilitation services 250 € 300 € 500 € Medications 50 € 100 € 150 € Dental care €200 €250 €500 Insurance Compensations a year 6 750 € 9 000 € 11 750 € Insurance premium (paid monthly) x12 € 20 33 € € 40 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. Arina Mesropyan 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

Casco Insurance REQUEST QUOTE ASK FOR AN OFFER ​ Once we have received your inquiry, we will quickly compare the offers of different insurance companies and help you choose the most suitable insurance solution for you. A comparison of offers will be sent to your e-mail within minutes. Our clients always get the best insurance terms at the best price. ​ If another insurance broker offers you a more favorable solution on the same terms, we will make you an even better offer. We provide our clients by finding the best options and by claim handling assistance. We always remember when your vehicle insurance expires and let you know when it's time to re-insure. ​ ​ CORPORATE FLEET INSURANCE ​ The fleet insurance solution covers Casco Insurance and/or Motor Third Party Liability insurance for the company vehicles (if needed for vehicles owned by company employees as well). ​ We always find the most suitable solutions for existing and new customers for a variety of applications and fleets - cars, buses, trucks, equipment and trailers. Contact us > info@inpro.ee or press "Request Quote". ​ MOTOR CASCO INSURANCE ​ Motor Casco insurance is voluntary and is primarily intended for vehicle owners who in addition to compulsory motor third party liability insurance would prefer an additional insurance cover for their vehicle. Casco insurance protects your vehicle against potential accidents, for example when the driver of the vehicle is at fault in a traffic accident, when a vehicle is hit by a wild animal or tree falls on a vehicle. In general Casco insurance policy covers all risks of fire, theft, vandalism, hijacking, robbery and third party damage. Categories of vehicles: ​ Cars Taxi (Incl. Bolt , Uber etc.) explore more > here . Mopeds and motorcycles Vans Trucks Trailers Buses Tractors ​ The object of insurance is the vehicle along with the parts and equipment mounted on the vehicle. In order to ensure full insurance coverage, the additional equipment of the vehicle such as: extra lights, alloy wheels, spoilers, taxi equipment, winches, in-car audio, video and other must be specified in the policy. In addition to the standard package you can choose: ​ Window insurance. Indemnifies glass damage resulting from the breakage of passenger compartment glass. The cost of applied window tinting will also be indemnified along with the glass. If window insurance is not selected as additional insurance cover for the package, window damages will still be covered, although in the case of damage the specified deductible will be applied. ​ New value insurance . New value insurance is required for a new vehicle. It provides the additional cover if the vehicle is destroyed or lost as the result of an insured event. New value insurance indemnifies the acquisition price of the vehicle (the price at which the vehicle was purchased). ​ Securing a replacement car. Important to ensure that the life of a person who moves about primarily by car does not stop. If the vehicle is incapable of moving or is currently being repaired, a replacement vehicle will be placed at the disposal of the insured person for that period. ​ Accident insurance. Some of the traffic accidents end tragically. Accident insurance will help to cope with the consequences. In the case of accident insurance, people who are occupants of a vehicle during an accident are insured, and in the event of their death or a permanent incapacity for work, an insurance indemnity is provided. ​ Luggage insurance. Indemnifies damage, destruction, or damage resulting from loss, to objects located in the passenger compartment, luggage compartment or roof box of an insured vehicle in the event of an insured event. ​ Explore more regarding motor casco insurance in our blog > here . ​ Luxury Car Insurance REQUEST QUOTE CASCO INSURANCE FOR LUXURY VEHICLES ​ We call "luxury" or "exclusive" rare or very expensive vehicles. Casco insurance for such cars is very expensive and sometimes local insurance companies do not offer insurance coverage at all due to high risk and cost of reimbursement or offer insurance coverage at very high rates. In such cases, we find for our clients motor casco Insurance coverage solutions from the global insurance companies outside the Republic of Estonia or negotiate with local insurers on the terms and conditions of motor casco insurance for such vehicles and receive additional discounts for our clients. ​ We have extensive experience in this field of insurance, due to the fact that among the clients of Inpro Insurance are owners of exclusive cars. We know exactly what aspects are worth paying special attention to and how to get the most acceptable conditions and quotes for motor casco insurance for our clients. Contact us, we will help you. ​

ICC - A ICC - B ICC - C Institute Cargo Clauses (A) RISKS COVERED Risks 1. This insurance covers all risks of loss of or damage to the subject-matter insured except as excluded by the provisions of Clauses 4, 5, 6 and 7 below. General Average 2. This insurance covers general average and salvage charges, adjusted or determined according to the contract of carriage and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 below. "Both to Blame Collision Clause" 3. This insurance indemnifies the Assured, in respect of any risk insured herein, against liability incurred under any Both to Blame Collision Clause in the contract of carriage. In the event of any claim by carriers under the said Clause, the Assured agree to notify the Insurers who shall have the right, at their own cost and expense, to defend the Assured against such claim. EXCLUSIONS ​ 4. In no case shall this insurance cover 4.1 loss damage or expense attributable to willful misconduct of the Assured 4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured 4.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject matter insured to withstand the ordinary incidents of the insured transit where such packing or preparation is carried out by the Assured or their employees or prior to the attachment of this insurance (for the purpose of these Clauses "packing" shall be deemed to include stowage in a container and "employees" shall not include independent contractors) 4.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured 4.5 loss damage or expense caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above) 4.6 loss damage or expense caused by insolvency or financial default of the owners managers charterers or operators of the vessel where, at the time of loading of the subject-matter insured on board the vessel, the Assured are aware, or in the ordinary course of business should be aware, that such insolvency or financial default could prevent the normal prosecution of the voyage This exclusion shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract 4.7 loss damage or expense directly or indirectly caused by or arising from the use of any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter. 5. 5.1 In no case shall this insurance cover loss damage or expense arising from 5.1.1 unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subjectmatter insured, where the Assured are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein 5.1.2 unfitness of container or conveyance for the safe carriage of the subject-matter insured, where loading therein or thereon is carried out prior to attachment of this insurance or by the Assured or their employees and they are privy to such unfitness at the time of loading. 5.2 Exclusion 5.1.1 above shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract. 5.3 The Insurers waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination. 6. In no case shall this insurance cover loss damage or expense caused by 6.1 war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power 6.2 capture seizure arrest restraint or detainment (piracy excepted), and the consequences thereof or any attempt thereat 6.3 derelict mines torpedoes bombs or other derelict weapons of war. 7. In no case shall this insurance cover loss damage or expense 7.1 caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions 7.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions 7.3 caused by any act of terrorism being an act of any person acting on behalf of, or in connection with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of any government whether or not legally constituted 7.4 caused by any person acting from a political, ideological or religious motive. DURATION Transit Clause 8. 8.1 Subject to Clause 11 below, this insurance attaches from the time the subject-matter insured is first moved in the warehouse or at the place of storage (at the place named in the contract of insurance) for the purpose of the immediate loading into or onto the carrying vehicle or other conveyance for the commencement of transit, continues during the ordinary course of transit and terminates either 8.1.1 on completion of unloading from the carrying vehicle or other conveyance in or at the final warehouse or place of storage at the destination named in the contract of insurance, 8.1.2 on completion of unloading from the carrying vehicle or other conveyance in or at any other warehouse or place of storage, whether prior to or at the destination named in the contract of insurance, which the Assured or their employees elect to use either for storage other than in the ordinary course of transit or for allocation or distribution, or 8.1.3 when the Assured or their employees elect to use any carrying vehicle or other conveyance or any container for storage other than in the ordinary course of transit or 8.1.4 on the expiry of 60 days after completion of discharge overside of the subject-matter insured from the oversea vessel at the final port of discharge, whichever shall first occur. 8.2 If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the subject-matter insured is to be forwarded to a destination other than that to which it is insured, this insurance, whilst remaining subject to termination as provided in Clauses 8.1.1 to 8.1.4, shall not extend beyond the time the subject-matter insured is first moved for the purpose of the commencement of transit to such other destination. 8.3 This insurance shall remain in force (subject to termination as provided for in Clauses 8.1.1 to 8.1.4 above and to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to carriers under the contract of carriage. Termination of Contract of Carriage 9. If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before unloading of the subject-matter insured as provided for in Clause 8 above, then this insurance shall also terminate unless prompt notice is given to the Insurers and continuation of cover is requested when this insurance shall remain in force, subject to an additional premium if required by the Insurers, either 9.1 until the subject-matter insured is sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the subject-matter insured at such port or place, whichever shall first occur, or 9.2 if the subject-matter insured is forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named in the contract of insurance or to any other destination, until terminated in accordance with the provisions of Clause 8 above. Change of Voyage 10. 10.1 Where, after attachment of this insurance, the destination is changed by the Assured, this must be notified promptly to Insurers for rates and terms to be agreed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at a reasonable commercial market rate on reasonable market terms. 10.2 Where the subject-matter insured commences the transit contemplated by this insurance (in accordance with Clause 8.1), but, without the knowledge of the Assured or their employees the ship sails for another destination, this insurance will nevertheless be deemed to have attached at commencement of such transit. CLAIMS ​ Insurable Interest 11. 11.1 In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss. 11.2 Subject to Clause 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Insurers were not. Forwarding Charges 12. Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject-matter insured is covered under this insurance, the Insurers will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter insured to the destination to which it is insured. This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 4, 5, 6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their employees. Constructive Total Loss 13. No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter insured to the destination to which it is insured would exceed its value on arrival. Increased Value 14. 14.1 If any Increased Value insurance is effected by the Assured on the subject-matter insured under this insurance the agreed value of the subject-matter insured shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured. In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances. 14.2 Where this insurance is on Increased Value the following clause shall apply: The agreed value of the subject-matter insured shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the subject-matter insured by the Assured, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured. In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances. BENEFIT OF INSURANCE 15. This insurance 15.1 covers the Assured which includes the person claiming indemnity either as the person by or on whose behalf the contract of insurance was effected or as an assignee, 15.2 shall not extend to or otherwise benefit the carrier or other bailee. MINIMISING LOSSES Duty of Assured 16. It is the duty of the Assured and their employees and agents in respect of loss recoverable hereunder 16.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and 16.2 to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Insurers will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties. Waiver 17. Measures taken by the Assured or the Insurers with the object of saving, protecting or recovering the subjectmatter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party. AVOIDANCE OF DELAY 18. It is a condition of this insurance that the Assured shall act with reasonable dispatch in all circumstances within their control. LAW AND PRACTICE 19. This insurance is subject to English law and practice. NOTE: Where a continuation of cover is requested under Clause 9, or a change of destination is notified under Clause 10, there is an obligation to give prompt notice to the Insurers and the right to such cover is dependent upon compliance with this obligation. Institute Cargo Clauses (B) RISKS COVERED Risks 1. This insurance covers, except as excluded by the provisions of Clauses 4, 5, 6 and 7 below, 1.1 loss of or damage to the subject-matter insured reasonably attributable to 1.1.1 fire or explosion 1.1.2 vessel or craft being stranded grounded sunk or capsized 1.1.3 overturning or derailment of land conveyance 1.1.4 collision or contact of vessel craft or conveyance with any external object other than water 1.1.5 discharge of cargo at a port of distress 1.1.6 earthquake volcanic eruption or lightning, 1.2 loss of or damage to the subject-matter insured caused by 1.2.1 general average sacrifice 1.2.2 jettison or washing overboard 1.2.3 entry of sea lake or river water into vessel craft hold conveyance container or place of storage, 1.3 total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel or craft. General Average 2. This insurance covers general average and salvage charges, adjusted or determined according to the contract of carriage and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 below. "Both to Blame Collision Clause" 3. This insurance indemnifies the Assured, in respect of any risk insured herein, against liability incurred under any Both to Blame Collision Clause in the contract of carriage. In the event of any claim by carriers under the said Clause, the Assured agree to notify the Insurers who shall have the right, at their own cost and expense, to defend the Assured against such claim. EXCLUSIONS 4. In no case shall this insurance cover 4.1 loss damage or expense attributable to wilful misconduct of the Assured 4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured 4.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subjectmatter insured to withstand the ordinary incidents of the insured transit where such packing or preparation is carried out by the Assured or their employees or prior to the attachment of this insurance (for the purpose of these Clauses "packing" shall be deemed to include stowage in a container and "employees" shall not include independent contractors) 4.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured 4.5 loss damage or expense caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above) 4.6 loss damage or expense caused by insolvency or financial default of the owners managers charterers or operators of the vessel where, at the time of loading of the subject-matter insured on board the vessel, the Assured are aware, or in the ordinary course of business should be aware, that such insolvency or financial default could prevent the normal prosecution of the voyage This exclusion shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract 4.7 deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons 4.8 loss damage or expense directly or indirectly caused by or arising from the use of any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter. 5. 5.1 In no case shall this insurance cover loss damage or expense arising from 5.1.1 unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subjectmatter insured, where the Assured are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein 5.1.2 unfitness of container or conveyance for the safe carriage of the subject-matter insured, where loading therein or thereon is carried out prior to attachment of this insurance or by the Assured or their employees and they are privy to such unfitness at the time of loading. 5.2 Exclusion 5.1.1 above shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract. 5.3 The Insurers waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination. 6. In no case shall this insurance cover loss damage or expense caused by 6.1 war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power 6.2 capture seizure arrest restraint or detainment, and the consequences thereof or any attempt thereat 6.3 derelict mines torpedoes bombs or other derelict weapons of war. 7. In no case shall this insurance cover loss damage or expense 7.1 caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions 7.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions 7.3 caused by any act of terrorism being an act of any person acting on behalf of, or in connection with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of any government whether or not legally constituted 7.4 caused by any person acting from a political, ideological or religious motive. DURATION Transit Clause 8. 8.1 Subject to Clause 11 below, this insurance attaches from the time the subject-matter insured is first moved in the warehouse or at the place of storage (at the place named in the contract of insurance) for the purpose of the immediate loading into or onto the carrying vehicle or other conveyance for the commencement of transit, continues during the ordinary course of transit and terminates either 8.1.1 on completion of unloading from the carrying vehicle or other conveyance in or at the final warehouse or place of storage at the destination named in the contract of insurance, 8.1.2 on completion of unloading from the carrying vehicle or other conveyance in or at any other warehouse or place of storage, whether prior to or at the destination named in the contract of insurance, which the Assured or their employees elect to use either for storage other than in the ordinary course of transit or for allocation or distribution, or 8.1.3 when the Assured or their employees elect to use any carrying vehicle or other conveyance or any container for storage other than in the ordinary course of transit or 8.1.4 on the expiry of 60 days after completion of discharge overside of the subject-matter insured from the oversea vessel at the final port of discharge, whichever shall first occur. 8.2 If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the subject-matter insured is to be forwarded to a destination other than that to which it is insured, this insurance, whilst remaining subject to termination as provided in Clauses 8.1.1 to 8.1.4, shall not extend beyond the time the subject-matter insured is first moved for the purpose of the commencement of transit to such other destination. 8.3 This insurance shall remain in force (subject to termination as provided for in Clauses 8.1.1 to 8.1.4 above and to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to carriers under the contract of carriage. Termination of Contract of Carriage 9. If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before unloading of the subject-matter insured as provided for in Clause 8 above, then this insurance shall also terminate unless prompt notice is given to the Insurers and continuation of cover is requested when this insurance shall remain in force, subject to an additional premium if required by the Insurers, either 9.1 until the subject-matter insured is sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the subject-matter insured at such port or place, whichever shall first occur, or 9.2 if the subject-matter insured is forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named in the contract of insurance or to any other destination, until terminated in accordance with the provisions of Clause 8 above. Change of Voyage 10. 10.1 Where, after attachment of this insurance, the destination is changed by the Assured, this must be notified promptly to Insurers for rates and terms to be agreed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at a reasonable commercial market rate on reasonable market terms. 10.2 Where the subject-matter insured commences the transit contemplated by this insurance (in accordance with Clause 8.1), but, without the knowledge of the Assured or their employees the ship sails for another destination, this insurance will nevertheless be deemed to have attached at commencement of such transit. CLAIMS Insurable Interest 11. 11.1 In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss. 11.2 Subject to Clause 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Insurers were not. Forwarding Charges 12. Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject-matter insured is covered under this insurance, the Insurers will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter insured to the destination to which it is insured. This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 4, 5, 6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their employees. Constructive Total Loss 13. No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter insured to the destination to which it is insured would exceed its value on arrival. Increased Value 14. 14.1 If any Increased Value insurance is effected by the Assured on the subject-matter insured under this insurance the agreed value of the subject-matter insured shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured. In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances. 14.2 Where this insurance is on Increased Value the following clause shall apply: The agreed value of the subject-matter insured shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the subject-matter insured by the Assured, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured. In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances. BENEFIT OF INSURANCE ​ 15. This insurance 15.1 covers the Assured which includes the person claiming indemnity either as the person by or on whose behalf the contract of insurance was effected or as an assignee, 15.2 shall not extend to or otherwise benefit the carrier or other bailee. MINIMISING LOSSES Duty of Assured 16. It is the duty of the Assured and their employees and agents in respect of loss recoverable hereunder 16.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and 16.2 to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Insurers will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties. Waiver 17. Measures taken by the Assured or the Insurers with the object of saving, protecting or recovering the subjectmatter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party. AVOIDANCE OF DELAY 18. It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control. LAW AND PRACTICE 19. This insurance is subject to English law and practice. NOTE: Where a continuation of cover is requested under Clause 9, or a change of destination is notified under Clause 10, there is an obligation to give prompt notice to the Insurers and the right to such cover is dependent upon compliance with this obligation. ICC - B Institute Cargo Clauses (C) RISKS COVERED Risks 1. This insurance covers, except as excluded by the provisions of Clauses 4, 5, 6 and 7 below, 1.1 loss of or damage to the subject-matter insured reasonably attributable to 1.1.1 fire or explosion 1.1.2 vessel or craft being stranded grounded sunk or capsized 1.1.3 overturning or derailment of land conveyance 1.1.4 collision or contact of vessel craft or conveyance with any external object other than water 1.1.5 discharge of cargo at a port of distress, 1.2 loss of or damage to the subject-matter insured caused by 1.2.1 general average sacrifice 1.2.2 jettison. General Average 2. This insurance covers general average and salvage charges, adjusted or determined according to the contract of carriage and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 below. "Both to Blame Collision Clause" 3. This insurance indemnifies the Assured, in respect of any risk insured herein, against liability incurred under any Both to Blame Collision Clause in the contract of carriage. In the event of any claim by carriers under the said Clause, the Assured agree to notify the Insurers who shall have the right, at their own cost and expense, to defend the Assured against such claim. EXCLUSIONS 4. In no case shall this insurance cover 4.1 loss damage or expense attributable to wilful misconduct of the Assured 4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured 4.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subjectmatter insured to withstand the ordinary incidents of the insured transit where such packing or preparation is carried out by the Assured or their employees or prior to the attachment of this insurance (for the purpose of these Clauses "packing" shall be deemed to include stowage in a container and "employees" shall not include independent contractors) 4.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured 4.5 loss damage or expense caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above) 4.6 loss damage or expense caused by insolvency or financial default of the owners managers charterers or operators of the vessel where, at the time of loading of the subject-matter insured on board the vessel, the Assured are aware, or in the ordinary course of business should be aware, that such insolvency or financial default could prevent the normal prosecution of the voyage This exclusion shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract 4.7 deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons 4.8 loss damage or expense directly or indirectly caused by or arising from the use of any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter. 5. 5.1 In no case shall this insurance cover loss damage or expense arising from 5.1.1 unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subjectmatter insured, where the Assured are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein 5.1.2 unfitness of container or conveyance for the safe carriage of the subject-matter insured, where loading therein or thereon is carried out prior to attachment of this insurance or by the Assured or their employees and they are privy to such unfitness at the time of loading. 5.2 Exclusion 5.1.1 above shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject-matter insured in good faith under a binding contract. 5.3 The Insurers waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination. 6. In no case shall this insurance cover loss damage or expense caused by 6.1 war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power 6.2 capture seizure arrest restraint or detainment, and the consequences thereof or any attempt thereat 6.3 derelict mines torpedoes bombs or other derelict weapons of war. 7. In no case shall this insurance cover loss damage or expense 7.1 caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions 7.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions 7.3 caused by any act of terrorism being an act of any person acting on behalf of, or in connection with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of any government whether or not legally constituted 7.4 caused by any person acting from a political, ideological or religious motive. DURATION Transit Clause 8. 8.1 Subject to Clause 11 below, this insurance attaches from the time the subject-matter insured is first moved in the warehouse or at the place of storage (at the place named in the contract of insurance) for the purpose of the immediate loading into or onto the carrying vehicle or other conveyance for the commencement of transit, continues during the ordinary course of transit and terminates either 8.1.1 on completion of unloading from the carrying vehicle or other conveyance in or at the final warehouse or place of storage at the destination named in the contract of insurance, 8.1.2 on completion of unloading from the carrying vehicle or other conveyance in or at any other warehouse or place of storage, whether prior to or at the destination named in the contract of insurance, which the Assured or their employees elect to use either for storage other than in the ordinary course of transit or for allocation or distribution, or 8.1.3 when the Assured or their employees elect to use any carrying vehicle or other conveyance or any container for storage other than in the ordinary course of transit or 8.1.4 on the expiry of 60 days after completion of discharge overside of the subject-matter insured from the oversea vessel at the final port of discharge, whichever shall first occur. 8.2 If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the subject-matter insured is to be forwarded to a destination other than that to which it is insured, this insurance, whilst remaining subject to termination as provided in Clauses 8.1.1 to 8.1.4, shall not extend beyond the time the subject-matter insured is first moved for the purpose of the commencement of transit to such other destination. 8.3 This insurance shall remain in force (subject to termination as provided for in Clauses 8.1.1 to 8.1.4 above and to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to carriers under the contract of carriage. Termination of Contract of Carriage 9. If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before unloading of the subject-matter insured as provided for in Clause 8 above, then this insurance shall also terminate unless prompt notice is given to the Insurers and continuation of cover is requested when this insurance shall remain in force, subject to an additional premium if required by the Insurers, either 9.1 until the subject-matter insured is sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the subject-matter insured at such port or place, whichever shall first occur, or 9.2 if the subject-matter insured is forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named in the contract of insurance or to any other destination, until terminated in accordance with the provisions of Clause 8 above. Change of Voyage 10. 10.1 Where, after attachment of this insurance, the destination is changed by the Assured, this must be notified promptly to Insurers for rates and terms to be agreed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at a reasonable commercial market rate on reasonable market terms. 10.2 Where the subject-matter insured commences the transit contemplated by this insurance (in accordance with Clause 8.1), but, without the knowledge of the Assured or their employees the ship sails for another destination, this insurance will nevertheless be deemed to have attached at commencement of such transit. CLAIMS Insurable Interest 11. 11.1 In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss. 11.2 Subject to Clause 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Insurers were not. Forwarding Charges 12. Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject-matter insured is covered under this insurance, the Insurers will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter insured to the destination to which it is insured. This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 4, 5, 6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their employees. Constructive Total Loss 13. No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter insured to the destination to which it is insured would exceed its value on arrival. Increased Value 14. 14.1 If any Increased Value insurance is effected by the Assured on the subject-matter insured under this insurance the agreed value of the subject-matter insured shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured. In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances. 14.2 Where this insurance is on Increased Value the following clause shall apply: The agreed value of the subject-matter insured shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the subject-matter insured by the Assured, and liability under this insurance shall be in such proportion as the sum insured under this insurance bears to such total amount insured. In the event of claim the Assured shall provide the Insurers with evidence of the amounts insured under all other insurances. BENEFIT OF INSURANCE ​ 15. This insurance 15.1 covers the Assured which includes the person claiming indemnity either as the person by or on whose behalf the contract of insurance was effected or as an assignee, 15.2 shall not extend to or otherwise benefit the carrier or other bailee. MINIMISING LOSSES Duty of Assured 16. It is the duty of the Assured and their employees and agents in respect of loss recoverable hereunder 16.1 to take such measures as may be reasonable for the purpose of averting or minimising such loss, and 16.2 to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Insurers will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties. Waiver 17. Measures taken by the Assured or the Insurers with the object of saving, protecting or recovering the subjectmatter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party. AVOIDANCE OF DELAY ​ 18. It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control. LAW AND PRACTICE ​ 19. This insurance is subject to English law and practice. NOTE: Where a continuation of cover is requested under Clause 9, or a change of destination is notified under Clause 10, there is an obligation to give prompt notice to the Insurers and the right to such cover is dependent upon compliance with this obligation. ICC - C

ABOUT US SURVEY INSURANCE CLAIMS ASSISTANCE LEGAL ASSISTANCE CORE VALUES EXPERIENCE Inpro Insurance has been successfully meeting the needs of our customers since 2019. We've grown our successful Insurance Brokerage company from the ground up, and accumulated years of experience to bring our clients complete peace of mind. LOYALTY AND TRUST As a full-service Insurance Broker built on the foundation of customer loyalty and trust, our aim is to develop long-term relationships with our clients to provide them with the support and guidance they need, no matter what life throws at them. UNIQUENESS At Inpro Insurance, each of our clients is unique. That's why we don't believe in a “one-size-fits-all” approach to offering insurance. We provide individual solutions for each of our clients and serve as advocates should you need to file a claim. Get in touch and find out why so many clients have turned to us for help and assurance since we first started operating under the name of Inpro Insurance. EXCELLENCE At Inpro Insurance, we are committed to excellence. Since the date of inception, we have worked hard to make sure our clients receive outstanding services. As a full-service insurance brokerage company, we can take care of all your insurance needs. Get in touch with one of our experts and let us start protecting you. CORE TEAM Arina Mesropjan Insurance Broker Corporate Solutions Expert ​ Phone: +372 5883 8533 Email: arina.mesropjan@inpro.ee Terri Tamm Insurance Expert Corporate & Private Solutions ​ Phone: +372 5883 8933 Email: terri.tamm@inpro.ee Gerli Lees-Leesma Customer Relations and Partnerships Manager ​ Phone: +372 5883 0803 Email: gerli.lees-leesma@inpro.ee Alexei Tsenter Insurance Expert Member of the Board ​ Phone: +372 5340 1715 Email: aleksei.tsenter@inpro.ee Valeri Golik CEO, Member of the Board Insurance Expert ​ Phone: +372 5855 8558 Email: valeri.golik@inpro.ee OUR PARTNERS

Cyber Insurance REQUEST QUOTE ASK FOR AN OFFER ​ As soon as your request is received, we will analyse the cyber risks associated with activity of your company and provide you with a choice of insurance solutions from which you can choose the most suitable. 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 insurance solutions according to the needs, requirements and possibilities of each specific company. ​ CYBER INSURANCE ​ Cyber insurance is the product for managing the risks arising from cyber-attacks against companies. This is a comprehensive product encompassing the damage caused to the company itself as well as liability insurance against damage caused to third parties. ​ A cyber-attack may suspend your business activities and reduce your profit. Insurance provider will indemnify the loss of profit during the business interruption. In addition to loss of profit, we will indemnify the labour expenses of your employees and rental expenses during business interruptions. Your company is filed a claim in relation to liability towards third parties. Insurance provider will indemnify the claim or the costs for legal assistance in order to challenge an unfair claim. ​ After a cyber-attack, you may need crisis communication in order to limit damaging your reputation. Insurance provider will also indemnify notification costs related to the need to notify customers of the problem. A breach of security often requires an expert assessment in order to find out what is wrong. Expenses on restoring the situation as it was before the event are also indemnified. ​ Read more in blog . ​

Directors & Officers (D&O) REQUEST QUOTE ASK FOR AN OFFER ​ As soon as your request is received, we will analyse the risks associated with activity of your company and provide you with a choice of insurance solutions from which you can choose the most suitable. 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 insurance solutions according to the needs, requirements and possibilities of each specific company. ​ DIRECTORS AND OFFICERS LIABILITY INSURANCE The purpose of the Directors and Officers Liability insurance is to provide cover for a company’s executives against claims arising from their decisions taken. The persons insured include natural persons, i.e. the company’s management board members, executives, supervisory board and other persons related to management decisions. And the company against whom a claim is filed in connection with a management board member’s activity is also insured. Proved damage and legal expenses are compensated for. ​ Why should I take out Directors and officers liability insurance: ​ It covers the personal financial risk of a member of the management board where the latter is liable for their activity with their personal property It helps the company find funds for covering damage arising from managerial mistakes (a claim filed against a member of the management board may significantly exceed the latter’s personal assets) It provides an opportunity to raise the value of the management board member motivation package It gives a member of the management board a sense of security when making decisions and courage for taking risks It allows covering legal aid expenses

Liability Insurance REQUEST QUOTE ASK FOR AN OFFER ​ As soon as your request is received, we will analyze the risks associated with the property / activity of your company and provide you with a choice of insurance solutions from which you can choose the most suitable. Ask for an offer now, write to us: info@inpro.ee or send an inquiry using the "request quote" button. ​ We offer an individual approach to each client, offering insurance solutions according to the needs, requirements, and possibilities of each specific company. ​ GENERAL LIABILITY INSURANCE ​ General civil liability is a type of liability insurance that covers general, legal liability directly related to economic activities, both to third parties and to its customers, in case of personal injury or property damage. For their clients - a client slipping in the office, the client's property destroyed during the repair work, the tenant's office equipment damaged by a broken water pipe, unexpected damage to the customer at the construction site, etc. For third parties - for example, snow falling from the building used for the site, damage to the office downstairs caused by the rupture of the pipeline, property of the person damaged by the construction activity outside the construction site, etc. ​ PRODUCT LIABILITY INSURANCE ​ Product liability is a specific type of liability insurance that is required if a defect in the production process or activity occurs only after the product, service, or activity has been handed over to the consumer. Losses are also covered if the product consumed by the company damages a third party. Operational and product liability covers the following products and services: Wholesalers and retailers whose actions or errors in the safety and content of a product may lead to harm to the consumer of that product Fuel dealers whose poor quality fuel causes damage to the vehicle Car repair shops that need protection if the repaired vehicle shows the damage that has actually started from the repair work after it has been handed over to the customer Catering operators whose food offered to consumers may cause harm ​ EMPLOYER'S LIABILITY INSURANCE Employer's liability insurance is for those companies that do their best to ensure that nothing happens to their employees while working. However, the possibility must be taken into account that one or another bad coincidence may cause damage to the employee in the performance of his / her duties due to the occurrence of a risk falling within the sphere of influence of the employer. Employer's liability insurance covers the employer's liability in the event of an employee's injury. Occupational diseases may also be included under this insurance cover. ​ PROFESSIONAL LIABILITY INSURANCE (Professional Indemnity) Professional liability insurance is for those undertakings and undertakings which operate in a specific field and whose field of activity requires specific professional training, qualifications, attestation, or regulation of a specific professional association and umbrella organization. Professional liability insurance can protect mainly those professions where the damage is not caused by direct activities (construction, hairdressing, etc.), but by errors in calculations, non-observance of deadlines, or other errors for which the injured party does not have the ability and competence to prevent damage. The selection of compulsory professional liability insurance covers the following professional activities and activities: Architects and designers Law and legal aid offices Auditors, accountants, trustees in bankruptcy IT companies Insurance Brokers ​ Read more in blog... ​ PI

Legal Protection Insurance REQUEST QUOTE ASK FOR AN OFFER ​ As soon as your request is received, we will analyze the risks associated with your property / activity and provide you with a choice of insurance solutions from which you can choose the most suitable. Ask for an offer now, write to us: info@inpro.ee or send an inquiry using "request quote" button. ​ Inpro Insurance provides each client by individual approach offering insurance solutions in accordance with the needs, requirements and possibilities of each specific client. ​ LEGAL PROTECTION INSURANCE Legal expenses insurance helps in situations where you or your family have been treated unfairly and there are financial costs or lost benefits. The costs of enforcing your rights will be covered, defending your rights in court and giving you instructions on how to proceed. In the event of a legal dispute, you can conveniently request guidance from an Insurers lawyer by telephone. ​ LEGAL AID INSURANCE HELPS IN THE FOLLOWING CASES: With an employment or service relationship For example: You are not satisfied with the final bill or your employment contract has been terminated illegally ​ By vehicle For example: the car service does not want to fix the error for free, which will reappear a few days after the car is repaired ​ By causing non - contractual damage For example: An icicle has fallen on your car, but the house manager does not agree to compensate. Consumer rights For example: the seller refuses to repair or exchange defective goods. With immovable or movable property For example: the upper neighbor has a burst water pipe and your home has been damaged, but the neighbor refuses to compensate. ​

Public Event Liability Insurance Going to the Trade show or Exhibition and you are requested to hold Liability Insurance, aren't you? ​ We have specialised solution that will meet the insurance requirements of the event venue. Public Liability Insurance (Public Event Participant Liability Insurance ) is designed to protect against 3rd party bodily injury and/or property damage claims arising as a result of your negligence. We shall provide you by comprehensive Exhibitor’s Liability cover for indoors or outdoors, exhibition or trade show. Key insurance cover features: ​ Limits from 1 000 000 € to 5 000 000 € Deductible from 1 000 € Cover for events up to 7 days (during setup, show days, and dismantling of stands) Territory EU , Non-EU or Worldwide ASK FOR AN OFFER

Contractors plant and machinery insurance ASK FOR AN OFFER INSURANCE OF MACHINERY AND EQUIPMENT ​ CPM (Contractor's Plant and Machinery) is intended for: agricultural and forestry machinery, construction equipment, loaders, tractors, excavators, bulldozers, etc. In addition to traditional property risks (fire, natural disaster, vandalism), the insurance of machinery and equipment also covers unintentional violations of usage norms and rules, mechanical external influences, subsidence, overturning and other unforeseen and unexpected damages while working, moving or out of work. ​ MACHINERY FAILURE INSURANCE ​ MB (Machinery Breakdown) indemnifies in the event of an unexpected and unforeseen internal breakdown of the machine while working, moving or standing still. This insurance cover is intended for all kinds of industrial equipment. Machine failure insurance can be used both as a stand-alone insurance and as a supplement to the insurance of machinery and equipment. INSURANCE OF ELECTRONIC EQUIPMENT EEI (Electronic Equipment Insurance) protects the corresponding equipment (laptops, desktops, audio-video equipment, telecommunications, medical and measuring equipment, etc.) against damage or destruction caused by: Short circuit, overvoltage, additional voltage, voltage fluctuations caused by lightning Device user errors or violations Internal electrical or mechanical failure of the device An object or other similar accident that fell on the device ​ Electronic equipment insurance also covers the cost of restoring or repurchasing destroyed or damaged software. When insuring electronic devices, extended insurance coverage is often used for portable devices (laptops, video projectors) outside the place of insurance specified in the policy. For example, in the event of a traffic accident, the insurer indemnifies for damage to the portable device. ​

Apartment Association Insurance REQUEST QUOTE ASK FOR AN OFFER ​ As soon as your request is received, we will analyze the risks associated with the property / activity of your apartment association (korteriühistu ) and provide you with a choice of insurance solutions from which you can choose the most suitable. 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 insurance solutions according to the needs, requirements and possibilities of each specific company. ​ APARTMENT ASSOCIATION PROPERTY INSURANCE ​ Property insurance of the apartment association covers the parts and facilities of the building managed by the apartment association, and with liability insurance you can compensate the property damage caused by the apartment association to the management of the building and the territory belonging to the building to third parties and, if desired, to the apartment association members. As a rule, only the real part of the apartment is insured with ordinary home insurance (interior decoration of the apartment, floors, ceilings and non-load-bearing partitions, and internal communications to the connection point). In contrast, the foundation of the building; load-bearing walls and ceilings; roof; elevators; balconies; common areas and communications and technical systems (heating, cooling, ventilation, water supply, sewerage and gas supply system) are insured by apartment association insurance. ​ APARTMENT ASSOCIATION PROPERTY INSURANCE COVERAGE Fire insurance - fire, soot, smoke, lightning strike, explosion Pipeline leakage insurance - steam, gas, water or other liquid escaping from the piping, tank or equipment serving the building Storm insurance - storm, hail, trees or other objects that have fallen on the building due to a storm; Flood insurance - natural flood Vandalism insurance - wrongful actions of a third party and collision of a land vehicle Theft insurance - damage caused by the theft of the external parts of a building Glass insurance - breakage of glass surfaces as a result of an unexpected and unforeseen event Electrical failure insurance - indemnified damage to the insured electrical equipment, the direct cause of which is over-voltage, over-voltage or under-voltage caused by electric current, short circuit, electrical failure Total risk insurance - damage to the insured property caused by any unexpected and unforeseen event, which is not excluded by the insurance terms and conditions. The total risk insurance also covers losses arising from internal failures of the building's technical systems. APARTMENT ASSOCIATION LIABILITY INSURANCE Apartment association liability insurance indemnifies for damage that has occurred in the apartment association's area of ​​responsibility, such as an accident in an elevator, corridor or around a house. Liability insurance covers both property damage and the necessary medical expenses arising from personal injury or damage to health. If desired, it is also possible to choose compensation for damage caused to the members of the apartment association by the apartment association, for example, water damage caused by the rupture of the pipeline under the responsibility of the apartment association or fire from technical systems. ​

Professional Shield Design and Build 2021.1 Professional Indemnity Insurance from Prokopius POLICY WORDING PREAMBLE ​ “THIS POLICY IS ON A CLAIMS MADE AND CIRCUMSTANCE NOTIFIED BASIS” ​ This POLICY is concluded by the POLICYHOLDER accepting the offer of Insurance made to them by the INSURER. This is a “Claims Made” policy which means that the policy will only respond to claims first made against the INSURED parties under this policy during the POLICY PERIOD. This requirement is contained within the definition of a CLAIM within this POLICY and further stated under “Insured Event” below. ​ In consideration of the promise to pay the premium shown in the SCHEDULE by the INSURED, the INSURER agrees to provide coverage as detailed in this POLICY, subject to the following terms, conditions, exclusions and definitions. The provision of this insurance is based on the material information provided to INSURERS. ​ Notice is hereby given by the INSURER that this POLICY shall be suspended if the premium has not been received by the INSURER within 30 days of the Inception of the POLICY PERIOD (or in respect of any instalment premium of the due date for such instalment). The suspension of this POLICY shall begin on the 31st day following inception of the POLICY PERIOD (or of the due date in respect of instalment premiums) and the INSURER shall not be liable for any CLAIM made against the INSURED during the Suspension period nor for amounts payable under this POLICY which are incurred during the Suspension period. The period of Suspension shall last for a period of 30 days. Notice is further hereby given that if premium is received within the period of Suspension, then the POLICY shall continue in force as if such Suspension period never applied. If the premium is not received within such Suspension period then the INSURER hereby gives notice that the POLICY shall be cancelled ab initio. This cancellation ab initio may be revoked by the INSURER at their discretion at any time. 1.1 Insuring Clause 1.2 INSURANCE OBJECT The INSURER will indemnify LOSS of the INSURED. ​ INSURED EVENT The Insured Event is a CLAIM first made against the INSURED during the POLICY PERIOD. EXTENSIONS The following extensions are granted as part of this insurance and are subject to observance of the conditions, exclusions and definitions, together with any other endorsed terms: - 2.1 Loss of or Damage to Documents or Data In the event of physical loss of or damage to DOCUMENTS or the loss of or damage to electronic data, discovered to be lost, damaged or destroyed during the POLICY PERIOD, the INSURER shall indemnify the INSURED for any reasonable cost or expense incurred by the INSURED (and to which the INSURER has consented) in replacing, restoring or reconstituting any DOCUMENTS or DATA, This extension is subject to a sub-LIMIT OF LIABILITY of EUR75,000 in the aggregate for all losses (which sub-limit shall be part of and not in addition to the LIMIT OF LIABILITY). 2.2 Joint Venture/Consortium The INSURER shall indemnify the INSURED for any CLAIM first made against them during the POLICY PERIOD, which the INSURED is legally liable to pay, whether jointly or severally, which arises out of the exercise and conduct of the PROFESSIONAL BUSINESS, whilst a member of a joint venture or consortium, where such joint venture or consortium, together with the turnover/fees of the joint venture or consortium (not just the insured’s proportion), has been declared to INSURERS, whether or not the joint venture or consortium is conducted through a separate legal entity. Provided always that the indemnity is limited to the INSURED’S share of the total liability of the joint venture or consortium. It being understood that: - 2.2.1 the INSURED will not, without the express agreement of INSURERS, waive any right of recovery against any joint venture or consortium partner or any claim to contribution, by such partner 2.2.2 INSURERS retain all rights, against the INSURED’S joint venture or consortium partners, to which they may become subrogated. 2.3 Self-employed Persons The INSURER shall indemnify the INSURED for the liability devolving upon them, arising out of the use of self-employed or contract hire persons, in connection with the PROFESSIONAL BUSINESS. The use of individual persons need not be disclosed to INSURERS, but details of payments, to such persons, must be declared to INSURERS, at renewal of this insurance. For the purpose of this POLICY, such persons are deemed to be EMPLOYEES. 2.4 Indemnity to Employees, Former Employees and/or Consultants The INSURER shall indemnify EMPLOYEES in respect of any CLAIM made against them during the POLICY PERIOD, which arises out of the exercise and conduct of the PROFESSIONAL BUSINESS. Former DIRECTORS or former EMPLOYEES, who have continued as consultants to the INSURED, and such persons who were formerly consultants to the INSURED are indemnified in respect of any CLAIM made against them, which arises out of the exercise and conduct of the PROFESSIONAL BUSINESS. 2.5 Infringement of Intellectual Property The INSURER shall indemnify the INSURED for reasonable professional or legal costs and expenses incurred with INSURERS’ prior written consent (not to be unreasonably withheld), in the defence of any injunction and/or proceedings in respect of infringement or alleged infringement of any intellectual property rights, including but not limited to copyright or patents, including electronic format, vested in or otherwise enjoyed by the INSURED. This extension is subject to a sub-LIMIT OF LIABILITY of EUR150,000 in the aggregate for all losses (which sub-limit shall be part of and not in addition to the LIMIT OF LIABILITY). 2.6 Costs and Expenses of Mitigation The INSURER shall indemnify the INSURED for reasonable costs and expenses incurred, prior to hand-over of the contract works, in taking any necessary action for the sole purpose of mitigating a CLAIM under 1.1 or in seeking to avoid or mitigate such a CLAIM, arising out of any CIRCUMSTANCE discovered during the POLICY PERIOD, provided that the INSURED can show, to INSURERS’ satisfaction, that non-payment of such costs and expenses would provoke a claim under this insurance, greater than the costs of mitigating any loss. 2.7 Vicarious Liability The INSURER shall indemnify the INSURED for CLAIMS, resulting directly from negligence in the conduct and exercise of the activities and duties, by consultants or any other person or party, for whom the INSURED is responsible. EXCLUSIONS The INSURER shall not pay LOSS or any other amount to the extent that any one or more of the following exclusions apply 3.1 Deductible The INSURER shall not be liable for that part of any LOSS which constitutes the DEDUCTIBLE. The application of the DEDUCTIBLE is further detailed in Section 5.2. 3.2 Liability involving Transport or Property owned or occupied by the Insured 1. failure to perform (non-performance of) contractual obligation (failure to deliver result of contract work) 2. delay of performance of contractual obligation, missing a contract performance deadline (delay in delivering result of contract work), including intermediate deadlines 3. contractual penalties (fine, interest) 4. liability, indemnity, warranty, guarantee, duty or financial obligation assumed by the INSURED under contract or express agreement unless civil liability would have attached to the INSURED by law notwithstanding such express agreement or contract clause. ​ The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising solely and directly out of the ownership, possession or use by or on behalf of the INSURED of any: 3.2.1 aircraft, watercraft, hovercraft, motor vehicle or trailer, or 3.2.2 buildings, structures, premises or land or civil engineering structure or that part of any building leased, occupied or rented by the INSURED, or 3.2.3 other property of the INSURED . or in their care, custody or control. This exclusion will not apply to any item described, which is owned, used or occupied by or in the possession of the INSURED, for the sole or dominant purpose of performing its obligations to any customer, client or third party or which forms part of any permanent or temporary works of any construction contract, in which the INSURED is involved. ​ 3.3 Liability arising out of Employment The INSURER shall not pay LOSS or any other amount in respect of 3.3.1 injury, disease, illness (including mental stress) or death of any EMPLOYEE under a contract of service with the INSURED, or 3.3.2 any dispute, between the INSURED and any present or former EMPLOYEE or any person who has been offered employment with the insured, being brought under or relating to the applicable Employment Laws. ​ 3.4 Supply of Goods The INSURER shall not pay LOSS or any other amount in respect of any CLAIM or loss arising out of the manufacture, construction, alteration, repair, servicing or treating of any goods or products sold, distributed or supplied, including the sale and/or supply of third party hardware and/or software by the INSURED, unless such CLAIM arises directly out of negligent creation, implementation, advice, design or specification by the INSURED, in the course of their PROFESSIONAL BUSINESS. ​ 3.5 Contractual liability The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising directly from: For avoidance of doubt, the INSURER shall not indemnify the INSURED for the following LOSS, unless with INSURERS’ prior written consent (which consent shall not be unreasonably withheld or delayed) per loss mitigation provisions of this POLICY (if such are applicable): 1. Fees unpaid to the INSURED and/or repayable by the INSURED on the basis of failure to perform (non-performance of) contractual obligation and/or defective performance of contractual obligation (defects in the results of the work; improper quality of work) 2. Expenses of the INSURED for elimination of defects in the results of the work (improper quality of work) of the INSURED For avoidance of doubt, INSURED has obligation to perform contract work at his own risk and deliver the result of contract work of sufficient quality and without defects. ​ 3.6 Fraud, Dishonesty or Criminal Act The INSURER shall not pay LOSS or any other amount in respect of any CLAIM to the extent it is: 3.6.1 directly or indirectly contributed to, or caused by, any act, error or omission of any partner or director of the INSURED, which is found by a court of final appeal to be dishonest, fraudulent, criminal or malicious, or 3.6.2 where any person has committed a dishonest, fraudulent, criminal or malicious act, after discovery by the INSURED of reasonable cause for suspicion that such act has been committed. 3.7 Controlling Interest The INSURER shall not pay LOSS or any other amount in respect of any CLAIM made against the insured by either:- 3.7.1 an entity in which the insured exercises a controlling interest, or 3.7.2 an entity exercising a controlling interest over the insured, by virtue of their having a financial or executive interest in the operation of the insured Unless such claim is made against the insured for an indemnity or contribution in respect of a claim made by an independent party against the said entities detailed in 3.7.1 or 3.7.2 and arises out of the exercise and conduct of the business. ​ 3.8 Nuclear Risks The INSURER shall not pay LOSS or any other amount which arises directly or indirectly from: 1) ionising radiations or contamination by radioactivity from any nuclear fuel, waste or substance, or 2) the radioactive, toxic, explosive or other hazardous properties of any explosive, nuclear assembly or nuclear component thereof; or 3) war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, riot, civil commotion assuming the proportion of or amounting to a popular uprising, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority, or 4) any act or acts, or threat thereof, of terrorism, force or violence for political, religious or other ends directed towards the overthrowing or influencing of the government, or for the purpose of putting the public in fear, by any person or persons acting alone or on behalf of or in connection with any organisation. In the event any portion of this Exclusion is found to be invalid or unenforceable, the remainder shall continue to be in full force and effect. ​ 3.9 Area of Activities The INSURER shall not pay any CLAIM or LOSS arising out of work or activities undertaken by the INSURED, outside the GEOGRAPHICAL LIMITS stated in the SCHEDULE. ​ 3.10 Jurisdiction To the extent that a CLAIM is brought outside the Jurisdiction specified in ITEM 7 of the SCHEDULE, the INSURER shall not pay LOSS or any other amount otherwise insured hereunder. ​ 3.11 Fines, Penalties, Punitive, Multiple or Exemplary Damages The Insurer shall not be liable hereunder for any civil or criminal fines, penalties, forfeitures, taxes, punitive, multiple or exemplary damages (other than in respect of defamation, libel or slander), or other monetary awards deemed uninsurable under applicable law, where such have been identified separately within an award of a court. ​ 3.12 Loss of Documents - Magnetic or Electrical Media The INSURER shall not pay LOSS or any other amount arising from loss of or damage to documents which are stored on magnetic or electrical media, unless such documents are duplicated on magnetic or electrical media, with the intention that, in the event of loss or damage, the duplicate can be used as the basis for restoring the documents to their original status. However this exclusion shall not apply to the extent that cover of loss of Documents is provided under Extension 2.1 of this POLICY. ​ 3.13 Pollution The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising directly from POLLUTION. However this exclusion shall not apply to any other LOSS where the proximate cause is POLLUTION caused by a sudden, unintended and unexpected POLLUTION during the POLICY PERIOD and to the extent that such POLLUTION arises from the PROFESSIONAL BUSINESS. 3.14 Asbestos & Toxic Mould The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising directly or indirectly out of or resulting from or in consequence of, or in any way involving: 3.14.1 asbestos, or any materials containing asbestos in whatever form or quantity, or 3.14.2 the actual, potential, alleged or threatened formation, growth, presence, release or dispersal of any fungi, moulds, spores or mycotoxins of any kind, or 3.14.3 any action taken by any party in response to the actual, potential, alleged or threatened formation, growth, presence, release or dispersal of fungi, moulds, spores or mycotoxins of any kind; such action to include investigating, testing for, detection of, monitoring of, treating, remediating or removing such fungi, moulds, spores or mycotoxins, or 3.14.4 any governmental or regulatory order, requirement, directive, mandate or decree that any party take action in response to the actual, potential, alleged or threatened formation, growth, presence, release or dispersal of fungi, moulds, spores or mycotoxins of any kind; such action to include investigating, testing for, detection of, monitoring of, treating, remediating or removing such fungi, moulds, spores or mycotoxins. ​ 3.15 Computer Virus The INSURER shall not pay LOSS or any other amount arising from any CLAIM arising from the transmission of a computer virus. 3.16 Directors’ and Officers’ Liability The INSURER shall not pay LOSS or any other amount arising from any CLAIM made, from those liabilities: a) arising from being a director, officer or trustee of the INSURED (as opposed to those duties and functions carried out in furtherance of the business); and/or b) arising from the acceptance of any directorship or trusteeship in any other company, not forming part of the INSURED, unless the acceptance of such position is for a fee and forms part of the PROFESSIONAL BUSINESS. 3.17 Other Insurance The INSURER shall not pay LOSS or any other amount arising from any CLAIM where the INSURED are entitled to indemnity under any other insurance, except in respect of anything beyond the amount which would have been payable under such insurance, had this POLICY not been effected. ​ 3.18 Full Bodily Injury and/or Property Damage The INSURER shall not pay LOSS or any other amount related to any CLAIM arising out of injury, disease, illness (including mental stress) or death of any person(s) or loss of or damage to property (except losses insured under extension 2.1). ​ 3.19 Previous Claims The INSURER shall not pay LOSS or any other amount in respect of any CLAIM or CIRCUMSTANCE, which has been notified and accepted by INSURERS, in respect of any other insurance attaching prior to the inception of this POLICY or as disclosed in the PROPOSAL or any CLAIM or CIRCUMSTANCE the INSURED was or should have been aware of, prior to the inception of this POLICY. 3.20 Profit and Budget Forecast The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising directly or indirectly out of the PROFESSIONAL BUSINESS to the extent that such business constitutes any actual or implied:- 3.23.1 valuation, or 3.23.2. forecast, in respect of profit and/or loss and/or revenue and/or expenditure and/or costs and/or other similar business units. 3.21 Trading Losses The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising out of any trading losses or trading liabilities incurred by any business managed or carried on by the INSURED COMPANY, including loss of any client account or business. ​ 3.22 Failure to Arrange Finance The INSURER shall not pay LOSS or any other amount in respect of any CLAIM for consequential loss arising from the failure of the insured to arrange and/or maintain finance. 3.23 Failure to Arrange Insurance The INSURER shall not pay LOSS or any other amount in respect of any CLAIM for consequential loss arising from the failure of the insured to arrange and/or maintain insurance. 3.24 Computer Records The INSURER shall not pay LOSS or any other amount to the extent that a CLAIM arises directly from loss, distortion or erasure of computer records: (a) whilst mounted in or on any machine for use or processing unless caused by any negligent act or omission on the part of the INSURED, or (b) resulting from wear, tear, vermin or gradual deterioration, or (c) caused by climatic or atmospheric conditions or extremes of temperature, or (d) due to the presence of magnetic flux or due to loss of magnetism. 3.25 Pension Trustee Liability The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising from any INSURED whilst acting in the capacity of trustee, fiduciary or administrator of any employee-sponsored pension or superannuation scheme or superannuation programme. 3.26 Investment Advice The INSURER shall not pay LOSS or any other amount in respect of any CLAIM relating to the financial return of any investment or the depreciation or loss of investments, when such depreciation or loss is as a result of normal or abnormal fluctuations in any financial, stock, commodity or other markets, which are outside the influence or control of the INSURED. In addition, no cover will be provided in connection with any investment advice given or services performed, which have not been authorised, where such authorisation is required under any statutory regulation by an appropriate statutory authority. ​ 3.27 Tender at Less than Economic Terms The INSURER shall not pay LOSS or any other amount in respect of any CLAIM where the proximate cause arises directly from the deliberate decision by the INSURED to tender for a contract at less than economic terms, for commercial or goodwill reasons. ​ 3.28 Construction Costs The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising out of estimates of probable construction costs being exceeded. Provided that this exclusion will not apply to any CLAIM arising directly from negligence of a quantity surveyor, employed by or appointed on behalf of the INSURED, to carry out those activities normally undertaken by a quantity surveyor in private practice. ​ 3.29 Turnover Declared as Non-Professional The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising from the INSURED’S activities where it is, has been or would be, declared as material facts, that the INSURED and/or their consultants or sub-contractors have no responsibilities for design or other professionally related activities. ​ 3.30 Defamation, Libel & Slander The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising from or in direct consequence of any defamation, libel or slander uttered by the INSURED, in the exercise and conduct of the PROFESSIONAL BUSINESS. ​ 3.31 Defective Workmanship or Materials Any claim arising from defective workmanship or materials, relating to physical works of construction. ​ 3.32 Cladding The INSURER shall not pay LOSS or any other amount in respect of any CLAIM directly or indirectly arising from or relating to 3.33.1 any Cladding system or cladding materials consisting in whole or in part of Aluminium Composite Material; and / or 3.33.2 any Cladding system or cladding materials consisting in whole or in part of high pressure laminate (HPL) and / or 3.33.3 the combustibility, fire performance or fire safety requirements of any Cladding, glazing, doors, external wall system and/or internal wall system of any building or structure; and / or 3.33.4 the combustibility, fire performance or fire safety requirements of any component or material used in the manufacture, assembly or construction of any Cladding, glazing, doors, external wall system and/or internal wall system of any building or structure. For the purposes of this exclusion, Aluminium Composite Material shall mean a type of panel that consists of two aluminium sheets bonded to a non-aluminium core. For the purposes of this exclusion, Cladding refers to components that are attached to the primary structure of a building to form non-structural, external surfaces, as opposed to buildings where the external surfaces are formed by structural elements, such as masonry walls. ​ 3.33 Specific Works The INSURER shall not pay LOSS or any other amount in respect of any CLAIM arising from the INSURED’S liability for the PROFESSIONAL BUSINESS related to bridges, tunnels, dams, mining, rail and airports. CLAIMS CONDITIONS ​ The following claims conditions apply to this POLICY: ​ 4.1 Conditions Precedent to Liability All conditions contained in this section are deemed to be conditions precedent to liability. 4.2 Discovery of a Claim or Loss or Circumstance If, during the POLICY PERIOD, the INSURED:- 4.2.1 becomes aware of any CLAIM, , the INSURED will give notice to INSURERS, as soon as practicable and in the event that such CLAIM is a formal request to attend and/or respond to a court hearing, then the INSURED must provide notice to INSURERS within 7 days of the receipt of such CLAIM; 4.2.2 becomes aware of any CIRCUMSTANCE, the INSURED will give notice to INSURERS of such CIRCUMSTANCE, as soon as practicable INSURERS agree that any such circumstance, notified to them during the POLICY PERIOD and which subsequently gives rise to a claim after expiry of this insurance, will be deemed to be a CLAIM first made during the POLICY PERIOD. PI23PR0111 Page 9 of 17 The INSURED should be aware that any intentional or unreasonable delay in providing the notification may prejudice the INSURER’S position with regards to the amounts payable under this POLICY and that there is a possibility that the INSURER shall not be liable in respect of such prejudice ​ 4.3 Notice Please notify the INSURER by email at the following contact address: Claims@prokopius.com We recommend that you also notify your intermediary and hold a copy of any such notifications for your records. 4.4 Obligations and rights of the Policyholder regarding a CLAIM 1) The POLICYHOLDER shall ensure that notification of any CLAIM is made in accordance with the notification provisions of this POLICY. 2) The POLICYHOLDER shall not intentionally do anything that intended to prejudice the position of the INSURER with respect to the amount payable under this POLICY. 3) The POLICYHOLDER should take any reasonable measures to mitigate LOSS. 4) The POLICYHOLDER (and by extension all INSUREDS) should not admit liability, or agree to any settlement, in respect of any CLAIM unless with the prior written consent of the INSURER (which consent shall not be unreasonably withheld or delayed). However, any instance of self-reporting made by the INSURED to any authority legally empowered to receive such self-reporting shall not constitute an admission of liability. 5) The POLICYHOLDER has the duty to provide information to the INSURER as detailed in the Claims Payment Procedure and Terms section of this POLICY. 6) The POLICYHOLDER has the duty to defend any CLAIM. The POLICYHOLDER also has the right to request that the INSURER assists in the defence of a CLAIM and in such cases the POLICYHOLDER is obliged to provide any reasonable assistance and co-operation requested by the INSURER. 7) The POLICYHOLDER is obliged the pay the premium when due. 8) The POLICYHOLDER is entitled to administrate this POLICY on behalf of all INSUREDS. 4.5 Obligations and rights of the INSURER regarding a CLAIM 1) The INSURER is obliged to provide indemnification as required by the POLICY. 2) The INSURER has the right to assume any available subrogation rights in accordance with the Subrogation provisions of this POLICY. 3) The INSURER shall comply with all obligations attaching to the INSURER under the applicable law governing this POLICY. 4) Notwithstanding Part 4.4.6), the INSURER has the right to effectively associate with the POLICYHOLDER in the defence and or settlement of any CLAIM or, at the INSURER’s discretion, to take over the investigation, defence and/or settlement of any CLAIM. 4.6 Claim Assessment The INSURER shall assess damage according to the applicable law and industry norms and the general practice of the competent courts. In the event that a CLAIM is partly attributable to matters covered by the POLICY and matters which are not covered by this POLICY then the INSURER, the POLICYHOLDER and the relevant INSURED shall use their collective best efforts to determine a fair allocation of coverage for such CLAIM. 4.7 LOSS calculation procedure 1) In the event that settlement of a CLAIM is possible but the POLICYHOLDER and/or INSURED elects to continue defence of such CLAIM, then the INSURER shall only pay, in respect of such CLAIM, the amount at which earlier settlement could have been made; 2) In all other cases the INSURER will calculate LOSS in accordance with the law applicable to this POLICY. 4.8 Claims payment procedure and terms In the event of a CLAIM, the INSURED shall provide all information that has been reasonably requested by the INSURER in order to allow the INSURER to evaluate the validity of the CLAIM and to assess the strategy required to handle such CLAIM if covered. From the point at which the INSURER has received all the relevant information and has been able to confirm the validity of the CLAIM, the INSURER has a maximum of 30 days to make payment of any amounts due to the INSURED in respect of such CLAIM. The INSURER shall pay LOSS or any other due amounts as an indemnity to the INSURED . However, at the INSURER’s sole discretion the Insurer may make payments of LOSS or other due amounts on behalf of the INSURED to a 3rd party. 4.9 Disputes Notwithstanding the provisions of the preceding paragraphs, if the insured and insurers cannot agree a common course of action with regard to any of the preceding claims conditions, the dispute will be resolved by the operation of condition 5.8. In the event of dispute with respect to allocation in section 4.6 until resolution the INSURER will continue to pay amounts under this POLICY according to their determination of a fair and proper allocation. 4.10 Claim Settlements INSURERS may at any time pay to the INSURED in connection with any CLAIMS (or series of CLAIMS) the LIMIT OF LIABILITY (less any sums already paid) or any lesser sum for which such CLAIMS can be settled and upon such payment the INSURERS will not be under any further liability in respect of such claims except for costs and expenses incurred prior to such payments and with INSURERS’ prior written consent. 4.11 Fraudulent Claims If the INSURED makes a claim fraudulently or in the knowledge that it is materially false, as regards amount or otherwise, INSURERS may declare this POLICY void, from the date of such fraud or false representation, or, at their discretion, regard this POLICY as remaining in force and of full effect, until expiry of the POLICY PERIOD. In either case, INSURERS will have no liability to provide any indemnity under this POLICY, in respect of the particular CLAIM and any related matter, forming the subject of such fraudulent preferment or false representation. GENERAL CONDITIONS ​ The following general conditions apply to this insurance: 5.1 Limit of Liability The LIMIT OF LIABILITY is the maximum aggregate amount of liability of the INSURER under this POLICY unless specifically agreed otherwise herein. The LIMIT OF LIABILITY shall apply in the aggregate for the POLICY PERIOD. The LIMIT OF LIABILITY shall be inclusive of all LOSS and any other amount payable by the INSURER under the terms of this POLICY but shall not include the internal costs of the INSURER in administrating this POLCIY or any CLAIM or other covered event. The DEDUCTIBLE shall not form part of the LIMIT OF LIABILITY. For the purposes of determining the LIMIT OF INDEMNITY (and any applicable sublimits of liability) all CLAIMS resulting from one and the same proximate cause or a series of CLAIMS arising out of the same proximate cause shall be deemed to be one CLAIM. 5.2 Deductible The cover available under this POLICY shall apply only in excess of any applicable DEDUCTIBLE. The DEDUCTIBLE shall apply to each CLAIM separately, however, in the event that multiple, continuous and/or repeated CLAIMS derive from the same proximate cause, then only one DEDUCTIBLE shall apply and such DEDUCTIBLE shall be the largest of the applicable DEDUCTIBLE amounts. 5.3 Double insurance, Insufficient insurance This POLICY is intended to provide primary insurance coverage. However, if there are any other insurances affording similar professional indemnity cover, then Exclusion 3.17 (“Other Insurance”) may apply, In the event that the quantum of the liability of the INSURED for matters covered by this POLICY and/or any other amounts payable under this POLICY are greater than the LIMIT OF LIABILITY, then there shall be no impact on the LIMIT OF LIABILITY or any other amount payable under this POLICY 5.4 Retroactive Date Where a retroactive date is specified in the SCHEDULE, the INSURER shall not pay LOSS or any other amount to the extent that any PROFESSIONAL BUSINESS was carried out or failed to have been carried out prior to the RETROACTIVE DATE. 5.5 Subrogation If any payment is made under the terms of this POLICY, the INSURED grants to INSURERS all rights of recovery against any parties from whom a recovery may be made, but the INSURED will take all reasonable steps to preserve such rights. However, INSURERS agree to waive any rights of recovery against any EMPLOYEE , unless liability has resulted in whole or part from any act or omission on the part of such persons, which is criminal or intentionally dishonest, fraudulent, or malicious 5.6 Consultants It is an express requirement that: 5.6.1 all specialist designers professional sub-contractors and/or consultants, appointed by the INSURED, acting on the INSURED’S behalf or for whom the insured are responsible, carry the Minimum legally prescribed limit and scope of Professional Indemnity insurance, during the period of this insurance, and 5.6.2 the INSURED have satisfied themselves of its existence and extent of cover. Any failure to comply with this condition may entitle INSURERS to decline to provide indemnity under the terms of the POLICY 5.7 Governing Law & Jurisdiction This POLICY shall be construed and governed by the laws of the country specified in Item 12 of the SCHEDULE and any matters regarding the construction or governance of this POLICY shall fall within the jurisdiction of court(s) specified in Item 12 of the SCHEDULE. 5.8 Insurance Disputes Any dispute relating this POLICY shall be dealt with by submission to the Jurisdiction identified in Item 12 of the SCHEDULE. The cost of such dispute resolution will be allocated by the agreed or appointed party on a fair and equitable basis. 5.9 Cancellation This policy may be cancelled at any time by INSURERS or the INSURED, by either party giving the other thirty (30) days notice in writing, to their last known address or registered office (if a company) or by email and the premium will be adjusted on a pro rata basis. 5.10 Sanctions clause The INSURER shall not provide cover nor pay any CLAIM or provide any benefit hereunder to the extent that the provision of such cover, payment of such CLAIM or provision of such benefit would expose the INSURER to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. 5.11 Assignment of INSURER’s rights and obligations under the insurance contract The INSURER may transfer their rights and obligations under this POLICY to another insurer in accordance with the procedure prescribed by law. The POLICYHOLDER shall have a right to submit, in accordance such law, a written objection to such transfer. Such an objection by the POLICYHOLDER shall not be binding on the INSURER. If POLICYHOLDER objects to such transfer then they shall have the right to cancel the POLICY in accordance the cancellation provisions of this POLICY. 5.12 Several Liability Insurers’ obligations under insurances to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. Insurers are not responsible for the subscription of any co-subscribing insurer who for any reason does not satisfy all or part of their obligations 5.13 Policyholder Complaints In the event that you are not satisfied with any aspect of this POLICY and wish to make a complaint, you must first contact the CEO of the INSURER using the contact details specified in Item 7 of the SCHEDULE or as per the Communication Provisions section of this POLICY. The INSURER shall look to resolve any matter as soon as possible and in any event within 15 days. The INSURER shall provide such complaints handling on behalf of the relevant Lloyd’s Managing Agent as specified in Item 11 of the SCHEDULE. If you are not satisfied with the response from the INSURER or if you have not received a response within the required time frame then you may contact, if you wish, contact the Lloyd’s General Representative for your country who shall investigate and assess your complaint and shall aim to provide you with a response within 30 days. If you wish to contact the Lloyd’s Representative for your then the contact details may be found at: https://lloydseurope.com/contact/ Should you remain dissatisfied with the responses from any or all of the above parties (or if you have not received responses within the specified timeframes) then you may refer your complaint to the relevant regulator for your country. Please contact the INSURER for details of the relevant regulator in your country. Nothing in this Complaints Procedure shall in any way affect your rights in law with respect to this POLICY. 5.14 Premium calculation The Premium is calculated according to the following criteria: 1) The exposure related to the PROFESIONAL BUSINESS 2) The LIMIT OF LIABILITY 3) The DEDUCTIBLE 4) The overall and specific income values of the INSUREDS 5) The operational exposure of the INSUREDS 6) The insurance history of the INSURED 7) Territorial exposure 8) Number of EMPLOYEES 9) Any other relevant information specifically requested by the INSURER or otherwise available to the INSURER. 5.15 POLICY termination / renewal This POLICY shall terminate at the POLICY PERIOD and shall not tacitly renew. In the event that the POLICYHOLDER is acquired by a third party or merges with another party so that it is not the surviving entity, then this POLICY shall not terminate, however in such event the cover available under this POLICY is restricted to PROFESSIONAL BUSINESS committed or not committed prior to the date of such acquisition or merger. 5.16 Communication provisions In respect of the notification of any CLAIM or CIRCUMSTANCE or other matter where cover under this POLICY is required, please refer to the Claim Notification section of this POLICY. With respect to any complaint, request for information, other communication, the POLICYHOLDER should (via their intermediary if applicable) communicate with the INSURER using the contact details specified in Item 13 of the SCHEDULE or as detailed below: Company Name: PROKOPIUS UAB, Address: S. Moniuškos 27, LT08115, Vilnius, LT Email: info@prokopius.com 5.17 Other Obligations and rights of the POLICYHOLDER 1. The POLICYHOLDER has the obligation to comply with the terms and conditions of this POLICY including the payment of premium and administration of the POLICY on behalf of the INSUREDS. 2. The POLICYHOLDER has the right to cancel this POLICY in accordance with the Cancellation Provisions that apply to this POLICY. 3. The POLICYHOLDER may not assign any rights under this POLICY without the prior written agreement of the INSURER which may only be given at the sole discretion of the INSURER 5.18 Other Obligations and rights of the INSURER 1. The INSURER has the obligation to provide payments under this POLICY when due. 2. The INSURER retains the right to cancel this POLICY in accordance with the Cancellation Provisions that apply to this POLICY 5.19 Contractual Terms, Collateral Warranties and Joint Ventures INSURERS will not require construction contracts, collateral warranties, duty of care or joint venture agreements, letters of engagement, or terms of appointment to be shown to, or agreed by, them. However, the limitations appearing in extensions 2.2 (JV), 2.3 (Self employed) and 2.7 (vicarious) and in exclusion 3.5 (Contractual Liability) will apply in respect of liabilities incurred by the INSURED, in consequence of them signing such documents. 5.20 Prohibition of Insurance of Excess The INSURED will not effect insurance in respect of any excess, to which this insurance may be subject, unless a specific mandatory policy. ​ DEFINITIONS AND INTERPRETATIONS ​ Various words and phrases have a standard meaning within this insurance and such definitions and interpretations are set out below. Headings and notes are for information purposes only and are not to be construed as part of this insurance. The following words and phrases are used in this insurance. In certain instances, the words may be used in the plural or singular form. Wherever they appear, they are deemed to have the meaning set out below: 6.1 INSURED Will mean: 6.1.1 the INSURED COMPANY 6.1.2 the DIRECTORS of the INSURED COMPANY 6.1.3 the estate, heirs and executors of those parties mentioned in 6.1.1 - 6.1.2. 6.2 POLICYHOLDER Will mean the entity, Specified in Item 1 of the SCHEDULE, including any predecessors in business. 6.3 INSURED COMPANY Will mean the POLICYHOLDER and any practice or business for which the POLICYHOLDER is legally liable in consequence of the acquisition of such practice or business, prior to inception of this insurance, provided insurers have been notified in writing of the existence of such other practice or business and have agreed to insure such entities. Any location of the practice is included within the definition, unless expressly stated otherwise. 6.4 DIRECTOR Will mean any natural person who was, is or shall be any one or more of the following: 1) any de jure director of an INSURED COMPANY (including executive, non-executive and supervisory positions); 2) any de facto director of an INSURED COMPANY including shadow directors; 3) any EMPLOYEE in a managerial or supervisory position 6.5 EMPLOYEE Will mean any natural person who was, is or shall be under a contract of employment with an INSURED in respect of the PROFESIONAL BUSINESS to the extent that they are not acting in the role of a DIRECTOR 6.6 PROFESSIONAL BUSINESS Will mean performance by PROFESSIONAL STAFF, and/or their professional assistants of: 6.6.1 design, specification, inspection and/or supervision, feasibility studies, surveying where appropriate to the professional duties of the PROFESSIONAL STAFF, procurement and/or the provision of advice or technical information, or 6.6.2 such additional activities and duties declared to INSURERS. However, such activities and duties do not include supervision by the INSURED of its own or its sub-contractors’ work, where such supervision is undertaken in their capacity as building or engineering contractor. For the purpose of clarification, the activities and duties of a clerk of works, or similar person carrying out supervision of construction, will not be deemed to fall within the activities and duties of a building or engineering contractor. 6.7 PROFESSIONAL STAFF Will mean those persons either qualified as architects, engineers or surveyors or having other professional qualifications appropriate to the activities and duties, or having a minimum level of experience of five years in undertaking the PROFESSIONAL BUSINESS. 6.8 CONSULTANTS Will mean consultants, contractors, specialist designers or others appointed by the INSURED, in connection with their activities and duties. 6.9 LIMIT OF LIABILITY Will mean the sum specified in Item 4 of the SCHEDULE, which is the maximum amount that the INSURER is liable for to indemnify the INSURED in respect of this POLICY, For the avoidance of doubt, it should be noted that the indemnity afforded under the terms of this POLICY is provided jointly to all parties constituting the INSURED and for all purposes this POLICY shall be considered as a joint policy with one LIMIT OF INDEMNITY 6.10 DEFENCE COSTS Will mean all costs and expenses incurred in the investigation, negotiation, administration, mitigation, defence or settlement of any CLAIM or CIRCUMSTANCE and/or the cost of representation at any enquiry or other proceedings, which have a direct or indirect relevance to the investigation, defence or settlement of any matter notified under the terms of this insurance which have been agreed as such in writing by the INSURER. For the sake of clarity, DEFENCE COSTS do not include the salaries, wages, rent or other overheads of the INSURED or INSURER. 6.11 Pollution Will mean any one or a combination of a release, emission, discharge, dispersal, disposal or escape of any process of substances, which are capable of causing material HARM to any person, living organism and/or the environment (including land, waters and atmosphere). 6.12 Harm Will mean injury or impairment to the health of any living organism or interference with ecological systems of which they form part and, in the case of a person, includes offence caused to any of their senses. 6.13 Geographical Limits Will mean the territorial limit specified in ITEM 7 of the SCHEDULE 6.14 Policy Period Will mean the period of insurance specified in ITEM 3 of the SCHEDULE, plus any extensions to the period, which may be granted by INSURERS. 6.15 Documents Will mean project models or displays, deeds, wills, agreements, maps, plans, records, photographs or negatives, written or printed books, letters, certificates or written or printed documents and/or forms of any nature whatsoever and will include computer software and systems records (electronic data will be deemed to be physical property for the purposes of this insurance). The definition excludes bearer bonds, coupons, bank or currency notes and other negotiable paper for which the INSURED is held legally liable and/or which are in the care, custody or control of the INSURED. 6.16 Data Will mean information (including without limitation text, numbers, sounds and images) recorded in a form which can be processed by equipment operating automatically, in response to instruction given for that purpose which is held on a COMPUTER SYSTEM for which the INSURED is held legally liable and/or which are in the care, custody or control of the INSURED. 6.17 Defamation, Libel and Slander Will mean any defamation, libel, slander uttered, malicious falsehood, negligent misstatement or misrepresentation or product disparagement, by the INSURED in the exercise and conduct of the PROFESSIONAL BUSINESS. 6.18 Circumstance Will mean any matters of which the INSURED first becomes aware during the POLICY PERIOD, which may give rise to a CLAIM against the INSURED. 6.19 Computer System Will mean any computer, data processing equipment, media or any of their parts, or system of data storage and retrieval, or communications system, network, protocol or any of their parts, or storage device, microchip, integrated circuit, real-time clock system or similar device, or any computer software (including but not limited to application software, operating systems, runtime environments or compilers), firmware or microcode. 6.20 Claim Will mean any written demand: 1) made by or on behalf of a CLIENT or other third party; and 2) which demand is received by the INSURED during the POLICY PERIOD; and 3) which asserts a civil liability of the INSURED; and 4) which civil liability has its proximate cause in PROFESSIONAL BUSINESS provided in relation to a CLIENT. 6.21 Insurers Will mean insurance carrier specified in Item 13 of the SCHEDULE. 6.22 Schedule Will mean the page of this insurance wording entitled Schedule (before the addition of any endorsements or memoranda), which will provide details relative to the current policy period. 6.23 Retroactive Date Will mean the date specified in Item 8 of the SCHEDULE 6.24 Proposal Will mean the signed proposal and/or acceptance form provided to the POLICYHOLDER by the INSURER and subsequently submitted to the INSURER by (or on behalf of) the POLICYHOLDER 6.25 Policy Will mean this wording and the SCHEDULE and the PROPOSAL 6.26 Client Will mean any legal or natural person to the extent that they have been provided with or have failed to have been provided with PROFESSIONAL BUSINESS. 6.27 Loss Will mean DEFENCE COSTS, settlements, damages, compensation, court awards, “peace agreement” amounts and arbitration costs and any other amount which is agreed to in writing by the INSURER incurred by or on behalf of an INSURED in respect of a CLAIM. LOSS shall NOT include any taxes unpaid by the INSURED, any fines, penalties or punitive damages or the multiple portion of any MULTIPLE DAMAGES AWARD. 6.28 Multiple Damages Award Will mean an additional award made by a competent court in any jurisdiction which imposes a duty on the defendant to pay an amount which is a multiple of the original amount of damages calculated by the court and which constitutes an additional punishment on the defendant. 6.29 Collateral Warranties and Duty of Care Agreements Will mean any contractual agreement, which acknowledges or accepts that the INSURED owes a duty of care to or is responsible for the losses of any party, other than the direct client of the INSURED, to whom services are being provided. ENDORSEMENTS – CYBER LOSS EXTENSION ​ Subject to all terms, exclusions and conditions of this POLICY and subject to the Limit of Liability stated in this Extension, the INSURER agrees to indemnify the INSURED all sums which the INSURED shall become legally obligated to pay as LOSS, provided any CLAIM made to recover therefore is first made against the INSURED within the POLICY PERIOD due to a CYBER LOSS, and is notified by the INSURED to the INSURER during or within sixty (60) days after the expiration of the POLICY PERIOD. With respect to coverage under this Extension only: Additional Definitions a. CYBER LOSS means any loss, damage, liability, expense, fines or penalties or any other amount directly caused by: (i) the use or operation of any COMPUTER SYSTEM or COMPUTER NETWORK; (ii) the reduction in or loss of ability to use or operate any COMPUTER SYSTEM, COMPUTER NETWORK or DATA; (iii) access to, processing, transmission, storage or use of any DATA; (iv) inability to access, process, transmit, store or use any DATA; (v) any error or omission or accident in respect of any COMPUTER SYSTEM, COMPUTER NETWORK or DATA. b. Computer Network means a group of COMPUTER SYSTEMS and other electronic devices or network facilities connected via a form of communications technology, including the internet, intranet and virtual private networks (VPN), allowing the networked computing devices to exchange DATA. Additional Exclusions The INSURER shall not be liable to make any payment for damages for the following types of loss, damage, or injury, whether caused or contributed to, in whole or in part, directly or indirectly, by risks otherwise insured under this POLICY: a. any criminal investigations or proceedings or any civil investigations or proceedings initiated by a government agency or authority; b. any expense to investigate or correct a deficiency in the INSURED’S systems, employee management, vendor management, internal systems, procedures, computer network or system firewalls, computer network or system antivirus or any other physical or procedural security which may have contributed to the CYBER LOSS; c. reimbursement, compensation, benefits, fees or expenses incurred by the Insured or any of the INSURED’S employees; d. any other expenses or costs not included within LOSS; e. any consequential loss; f. any threat, extortion or blackmail, including, but not limited to, ransom payments and private security assistance; g. any expenses or costs incurred by a third party; h. any alleged or actual CYBER LOSS arising from lost DATA where any Personally Identifiable Information stored was not encrypted. Limit of Liability EUR 50,000 each and every CLAIM and in the aggregate The aggregate limit specified above is the total limit of the INSURERS’ liability for all Damages and Claims Expenses covered under this Extension and occurring during the POLICY PERIOD, and is part of and not in addition to the Aggregate LIMIT OF LIABILITY of this POLICY. All other terms and conditions of this Insurance remain unchanged. ​ GENERAL LIABILITY EXTENSION Subject to all terms, exclusions and conditions of this POLICY and subject to the Limit of Liability stated in this Extension, the INSURER agrees to indemnify the INSURED all sums which the INSURED shall become legally obligated to pay as LOSS, provided any CLAIM made to recover therefore is first made against the INSURED within the POLICY PERIOD due to an EVENT, and is notified by the INSURED to the INSURER during or within sixty (60) days after the expiration of the POLICY PERIOD. With respect to coverage under this Extension only: Amended Definitions: For the purpose of this Extension only, the following definitions are amended to read as follows: INSURED means: 1) any INSURED COMPANY; 2) any INSURED PERSON in their capacity as such; 3) any other legal entity or natural person agreed to in writing by the INSURER and endorsed to this POLICY. LOSS means any amount incurred by or on behalf of an INSURED in respect of an EVENT. LOSS shall include, inter alia, settlements, damages, compensation, court awards, “peace agreement” amounts and arbitration costs. ​ LOSS shall not include DEFENCE COSTS, any taxes unpaid by the INSURED, any fines, penalties or punitive damages or the multiple portion of any MULTIPLE DAMAGES AWARD. LOSS shall form part of the LIMIT OF LIABILITY. Additional Definitions: ​ DAMAGE means loss of possession or control of or actual damage to tangible property EVENT means the INSURED’S liability to pay damages (including claimant’s costs, fees and expenses) arising from INJURY or DAMAGE but not to the extent that such INJURY or DAMAGE arises from either: 1) POLLUTION 2) A PRODUCT 3) INJURY to an EMPLOYEE That arises from the PROFESSIONAL BUSINESS and which occurs after the RETROACTIVE DATE. INJURY means death bodily injury illness or disease of or to any person INSURED PERSON means 1) any EMPLOYEE, 2) any DIRECTOR, 3) any natural person for whom an INSURED is liable with respect to the PROFESSIONAL BUSINESS; 4) the heirs, spouse or estate of any other INSURED PERSON as set out in 1) to 3) above but only to the extent that they are held liable for the actions of such other INSURED PERSON PRODUCT means any property after it has left the custody or control of the INSURED which has been designed, specified, formulated, manufactured, constructed, installed, sold, supplied, distributed, treated, serviced, altered or repaired by or on behalf of the INSURED, but shall not include food or drink supplied by or on behalf of the INSURED primarily to the INSURED’S EMPLOYEES as a staff benefit. Amended Exclusions: Solely in respect of the cover afforded by virtue of this Endorsement, Exclusion 3.18 - Bodily Injury and/or Property Damage shall not apply to an EVENT. Additional Exclusions: Auto liability The INSURER shall not pay LOSS or DEFENCE COSTS or any other amount arising out of the ownership, possession or use of any motor vehicle or trailer by or on behalf of the INSURED. This exclusion shall not apply to the following: 1) an ACTIVITY EVENT caused by the use of any tool or plant forming part of or attached to or used in connection with any motor vehicle or trailer; 2) an ACTIVITY EVENT arising beyond the limits of any carriageway or thoroughfare and caused by the loading or unloading of any motor vehicle or trailer; 3) for DAMAGE to any bridge, weighbridge, road or anything beneath caused by the weight of any motor vehicle or trailer or the load thereon; 4) an ACTIVITY EVENT arising out of any motor vehicle or trailer temporarily in the INSURED’S custody or control for the purpose of parking. Watercraft The INSURER shall not pay LOSS or DEFENCE COSTS or any other amount arising out of the ownership possession or use by or on behalf of the INSURED of any aircraft, watercraft or hovercraft (other than watercraft not exceeding five metres in length and then only whilst on inland waterways). Leased property The INSURER shall not pay LOSS or DEFENCE COSTS or any other amount arising out of DAMAGE to property owned leased or hired or under hire purchase or on loan to the INSURED or otherwise in the INSURED’S care, custody or control. This exclusion shall not apply to: 1) premises (or the contents thereof) temporarily occupied by the INSURED for work therein (but no indemnity is granted for DAMAGE to that part of the property on which the INSURED is working and which arises out of such work); 2) clothing and personal effects belonging to EMPLOYEES and/or to visitors to the INSURED; 3) premises tenanted by the INSURED to the extent that the INSURED would be held liable in the absence of any specific agreement. Communicable Disease 1. Notwithstanding any provision to the contrary within this policy, this policy does not cover all actual or alleged loss, liability, damage, compensation, injury, sickness, disease, death, medical payment, defence cost, cost, expense or any other amount, directly or indirectly and regardless of any other cause contributing concurrently or in any sequence, originating from, caused by, arising out of, contributed to by, resulting from, or otherwise in connection with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease. 2. For the purposes of this endorsement, loss, liability, damage, compensation, injury, sickness, disease, death, medical payment, defence cost, cost, expense or any other amount, includes, but is not limited to, any cost to clean-up, detoxify, remove, monitor or test for a Communicable Disease. 3. As used herein, a Communicable Disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where: 3.1. the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not, and 3.2. the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms, and 3.3. the disease, substance or agent can cause or threaten bodily injury, illness, emotional distress, damage to human health, human welfare or property damage. Asbestos The INSURER shall not pay LOSS or DEFENCE COSTS or any other amount arising out of the existence of or exposure to asbestos and/or any asbestos containing materials in whatever form or quantity. Limit of Liability EUR 1,000,000 each and every CLAIM and in the aggregate The aggregate limit specified above is the total limit of the INSURERS’ liability for all Damages and Claims Expenses covered under this Extension and occurring during the POLICY PERIOD, and is part of and not in addition to the Aggregate LIMIT OF LIABILITY of this POLICY. All other terms and conditions of this Insurance remain unchanged. ​

Carrier's & Forwarder's Liability Insurance ASK FOR AN OFFER FREIGHT CARRIER'S LIABILITY INSURANCE ​ Carrier's Liability Insurance works in case carrier is liable for losses or damages to cargo caused by unprofessional performance of obligations indicated in CMR Convention. Limit of indemnity is determined by provisions of the Convention: not more than 8,33 SDR per one KG or 666 SDR per place. Limits of Liability may be indicated either in SDR or Euro. Carrier's Liability Insurance policy includes following covers: ​ Damage, loss or disappearance of cargo Financial claims to Assured – for example, in connection with delay in delivery or delivery to incorrect destination, repacking Third Party Liability – damage or destruction of property of third parties by transported goods. According to this clause Assured is also protected against damages to containers occurred during transportation Legal expenses Gross negligence Loss of freight, in connection with insured event, is compensated by Insurer, if Assured is not liable or released from an obligation ​ ​ Assureds that carry out transportation not only to the EU are to have an additional cover – TIR, i.e. liability to customs and guarantee of paying customs duties for transported goods in case they are gone. CMR policy is often required to join a professional association (for example, Association of Estonian International Road Carriers (ERAA). ASK FOR AN OFFER FREIGHT FORWARDERS LIABILITY INSURANCE ​ Freight Forwarder is an intermediary party between cargo owner and carrier. Claims for undelivered or damaged goods are brought by cargo owners against a freight forwarder. In many cases a freight forwarder is able to resubmit a claim to a carrier. If, however, the latter is responsible for damaging goods and does not have a valid CMR policy and have declared themselves bankrupt they can evade their liability to cargo owner and freight forwarder will be forced to bear responsibility. Freight Forwarder's Liability compensates losses to a cargo owner, third parties (for example, during loading / unloading), helps to cover possible expenses arisen from reloading, repacking and/or sorting (if necessary), customs charges, general average contribution and additional expenses for salvage of goods and their storage. If needed, the cover may also include gross negligence, errors & omissions (negligence, accidental errors made in issued documents and in choosing routes). ​ Cargo Insurance ASK FOR AN OFFER CARGO INSURANCE ​ With cargo insurance you can insure goods upon their transport from point A to point B. This protects the interest of the owner of the goods in a situation where the carrier is not required to compensate for damage or their liability is limited. The interest of the road carrier or freight forwarder is protected by their liability insurance . ​ The owner of goods should take out cargo insurance when the actual value of goods is greater than the product of the weight of the goods and the liability limit of the road carrier or freight forwarder (weight of goods x 8.33 SDR). ​ Cargo insurance is mostly used for insuring goods which are the object of a contract of purchase and sale. A cargo insurance contract should be entered into by the party to a contract of purchase and sale (purchaser or seller) who bears the risk of damage to, or destruction, or loss of goods according to the delivery terms. ​ There are two ways to cover either a Single Cargo Insurance Policy for a single shipment or a Long-term Cargo Insurance Policy or the so-called open cover policy normally for a term of one year for several cargo shipments. Cargo Insurance provides coverage for cargo loss or damage arising from the causes such as: ​ robbery fire traffic accident elemental forces, etc. ​ Insurance can be effected against all risks or against a specific risk. An insurance contract is signed in accordance with the Institute Cargo Clauses of the Institute London Underwriters. ​ Institute Cargo Clauses (A) Institute Cargo Clauses (B) Institute Cargo Clauses (C) ​

ERGO BTA Seesam IF P&C ERGO Insurance SE ERGO is one of the leading insurance companies in Estonia, offering a comprehensive selection of property and life insurance solutions. More than 120,000 clients trust the services, knowledge and experience of ERGO Eesti. ERGO employs 270 people in Estonia. The company has been active in Estonia since 1990. The brand ERGO was adopted in 2001. ​ Two companies are consolidated under the ERGO name in Estonia: the non-life insurance company ERGO Insurance SE and the life insurance company ERGO Life Insurance SE Eesti filiaal . ​ ERGO Insurance SE offers diverse property insurance solutions to both private and corporate clients. Since 2009, ERGO Insurance SE has been serving as the broker for ERGO Life Insurance SE Eesti filiaal’s life and health insurance policies and pension payments. ERGO’s companies operating in Estonia are part of the ERGO Group . The Group is represented in more than 30 countries around the world, focusing on the markets of Europe and Asia. ERGO belongs to one of the world’s largest reinsurance groups, Munich Re , founded in 1880. ​ ERGO’s companies in Estonia are audited by Ernst & Young Baltic AS . ​ BTA Baltic Insurance Company BTA Baltic Insurance Company is the insurance market leader in the Baltic States, offering a broad range of non-life insurance services. Vienna Insurance Group AG , a leading insurer in Europe, became the largest shareholder of the company in 2016. Compensa Vienna Insurance Group, ADB Eesti filiaal On 10 October 2019, an agreement was signed for the merger of Seesam Insurance AS and ADB Compensa Vienna Insurance Group. The reason behind the merger resolution is the desire of Vienna Insurance Group , the owner of both Seesam and Compensa, to optimise its operations in the Baltics. The merger was finalised in summer 2020. As a result of the merger, Seesam Insurance AS as a legal entity ceased to exist and the entities of Seesam in Estonia, Latvia and Lithuania were merged with the entities of ADB Compensa Vienna Insurance Group in those countries. In Estonia, the well-known trademark of Seesam will remain in use. ​ If P&C Insurance AS If P&C Insurance is the leading Nordic non-life insurance company, and one which has more than 3.6 million clients in Scandinavia and the Baltic States. The owner of If is Sampo Plc. If offers non-life insurance to its clients in Sweden, Norway, Finland, Denmark, the Baltic States, and international services to clients of the Nordic countries operating in foreign countries. ​ If was founded in 1999 when the non-life insurance companies of Norwegian Storebrand and Swedish Skandia were merged. At the beginning of 2002 Sampo non-life insurance was also joined together with If. ​ On 6 May 2004 Sampo acquired the shares for If that were previously held by Skandia, Skandia Liv and Storebrand. On 5 October 2004 Sampo also bought the shares for If from Varma, and due to this If is a 100% subsidiary company of the Sampo Group. ​ ERGO BTA Seesam IF P&C