Insurance solutions for e-residents (Estonia) 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 e-resident company . ​ Estonia is the first country in the world which offers e-Residency, a government-issued digital identity and status that provides access to Estonia’s transparent business environment: a new digital nation for the world. ​E-resident entrepreneurs from all over the world can start an EU-based company and manage business entirely online from anywhere in the world. ​ There are quite a few e-residents among Inpro Insurance 's clients and we know their insurance needs very well. Most of our clients work in the IT sector or provide various kinds of consulting services , but there are also industrial companies, Amazon sellers , accounting and legal companies. PROFESSIONAL LIABILITY INSURANCE (Professional Indemnity) Professional liability insurance is for those 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: Distressed & Complex Professional Indemnity ​ ​ Recruitment (HR) Auditors, accountants, trustees in bankruptcy Real Estate & Property Miscellaneous Rail & Transport Energy Asbestos Travel Agencies Building Surveyors Media A rchitects & Engineers Design & Construct (Including Fire Safety and Cladding) ​ SME/Mid Market & Corporate Cyber & Technology Risks Professional Firms SaaS Firms Software Developers Gaming Developers Technology Consultancy ( explore in details ) ​ Financial Institutions (PI & D&O) ​ Asset / Investment Managers Mortgage Providers Banks & Challenger Banks ​ Directors & Officers Any Risk (National or Global, explore more in details ) ​ ​ ​ ​ More info regarding professional indemnity insurance: in blog ​ REQUEST QUOTE 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. REQUEST QUOTE 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 REQUEST QUOTE 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. REQUEST QUOTE 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 REQUEST QUOTE

Life and Personal Accident Insurance REQUEST QUOTE ASK FOR AN OFFER ​ We have got the great insurance solutions to motivate your employees to be loyal to your company. Our professional insurance advisers (phone: +372 383 8118 , email: info@inpro.ee ) will help you find the most suitable solution that is beneficial to both parties. Motivated and satisfied employees guarantee a successful business. The opportunity for self-realization, challenge and motivation ensure the interest of employees in the company's goals and their fulfillment. It is important for each company that investments in the development of a valuable employee are beneficial in the long run. Inpro Insurance offers life and/or accident insurance for your company employees, which helps the company to cover the costs of the loss of an employee and at the same time to provide financial support to the employee's relatives. Loan insurance helps the employee's family if he or she can no longer be a loan payer. The main insurance cover of a life insurance policy is death benefit. ​ INDICATION LIFE & ACCIDENT INSURANCE FOR EMPLOYEES REQUEST QUOTE Silver Gold Gold Death Indemnity € 100,000 € 150,000 € 200,000 Permanent Disability Indemnity € 100,000 € 150,000 € 200,000 Temporary Health Damage Indemnity € 1,000 € 3,000 € 5,000 Accident Insurance premium a month (x12) 14.90 € 24.90 € 29.90 € Life Insurance / Loan Insurance € 100,000 € 200,000 € 300,000 Life Insurance premium a month (x12) € 15 € 30 € 45 Total Insurance premium a month (x12) 29.90 € 54.90 € 74.90 € This is an indicative premium rate, which depends primarily on the chosen sum insured and the age of the insured. The payment may also be affected by the insured person's state of health, high-risk occupation or pursuit of extreme hobbies. For more information, contact our specialist by phone: (+372) 383 8118 , email: info@inpro.ee CORPORATE SOLUTION OF PERSONAL ACCIDENT INSURANCE ​ None of us is protected against accidents, but we can protect ourselves against the troubles related to them. Inpro Insurance offers the opportunity to combine an accident insurance package in accordance with your company and its employees needs by the following types of compensation: ​ Death indemnity – intended to help the loved ones of your employee Permanent disability indemnity – the consequences of an accident can be very serious. Permanent disability indemnity helps to ensure a dignified life and maintain your employees previous standard of living Indemnity of treatment expenses – if after an accident your employee requires medical rehabilitation, dental care or mobility support devices (such as crutches, joint support, etc.), this insurance cover is indispensable Daily allowance benefit – intended to preserve the monthly level of your employees income following an accident Indemnity for pain and suffering – of help in the case of temporary damage to health. ​ SOLUTIONS VALIDITY ​ Part-time insurance – valid at work during working hours only Full-time insurance – valid worldwide, 24/7 ​

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

Inpro Insurance Traffic & Casco PRICE QUOTE Policyholder details First Name Email Phone no. Family Name Phone no. First Name Object of insurance data Vehicle Reg. No First Name First Name Insurance type Insurance type Insurance type Insurance type First Name Insurance type Insurance type I agree with processing of my personal data in accordance with Privacy Policy of Inpro Insurance Brokers OÜ. SEND Thanks for your inquiry! The answer will come in a few minutes.

Professional Indemnity Insurance (PI) 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. ​ What is professional indemnity (PI) insurance? ​ Professional indemnity (PI) insurance is a commercial policy designed to protect business owners, freelancers and the self-employed if clients claim a service is inadequate. ​ Any organisation which provides a professional service or gives advice could be sued if the recipient is unhappy with their work. A customer might say you were negligent, delivered the wrong training or made a mistake which cost them money. Professional indemnity cover, also known as professional liability insurance, is designed to safeguard service-based enterprises, come what may. As a professional, you take pride in doing great work, but if disagreements occur, this cover handles the cost of putting things right – including legal fees. ​ What does PI insurance cover? Professional indemnity insurance is often explained in terms of what might go wrong – but what does it cover? Inpro Insurance Brokers can provide by Professional indemnity policies up to 3 million euros for legal fees or compensation costs. If your business makes a costly mistake – or a customer claims it has – then this financial assistance can help you to survive and thrive beyond the court case. Professional indemnity cover also provides industry-specific policies for tailored protection. As your business grows, we’ll help you to cover indemnity risks along the way. Professional liability insurance helps in a wide range of scenarios such as professional negligence claims, data loss claims and allegations you’ve given poor business advice. The primary reason for professional liability coverage is that a typical general liability insurance policy will respond only to a bodily injury, property damage, personal injury or advertising injury claim. Other forms of insurance cover employers, public and product liability. But various professional services and products can give rise to legal claims without causing any of the specific types of harm covered by such policies. Common claims that professional liability insurance covers are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. ​ Inpro Insurance Brokers samples: ​ IT SECTOR If a software product fails to perform properly, it may not cause physical, personal, or advertising damages, therefore the general liability policy would not be triggered; it may, however, directly cause financial losses which could potentially be attributed to the software developer's misrepresentation of the product capabilities. ​ SECTOR OF DESIGN If a custom-designed product fails without causing damage to person or property other than to the subject product itself, a product liability policy may cover consequential damages such as losses from business interruption, but will generally not cover the cost to redesign, repair or replace the failed product itself. Claims for these losses against the manufacturer may be covered by a professional liability policy. Professional indemnity insurance only covers events which have occurred since you’ve held such a policy. This is called a retroactive date. ​ CONSULTANTS SECTOR Consultants face many day-to-day risks, but not having professional liability insurance adds an additional risk of lawsuits. Without coverage, you can face expensive attorney fees, Court costs and defense expenses. There are many professional liability risks you face as a consultant. These examples show some of the common ones we cover: Giving bad advice to a client that results in them losing money. For example, if you try to help a client increase their sales but your plan causes them to lose revenue, they can sue you. Not completing a job according to the agreed upon terms. Let's say you own a market research firm. You give your client advice based on research your firm conducted, but it causes them to lose money. Your client sues you after finding out the research was flawed. Forgetting something in the services you provide. If you forgot to do a job that your client expected, they can sue your business. When should I take out professional indemnity insurance? On the assumption that your business needs PI insurance, that you offer advice or professional services for example, then you should consider buying a policy from the first day you start trading to cover any room for error from day one. When buying a policy, one question you will be asked is from when you want the policy to run. If you have an existing PI policy in place, you should tell the new insurer the date that existing policy started – this becomes the “retroactive date”. The new policy will then start (the “inception date”) and work done before the inception date with the new insurer, all the way back to the retroactive date, will be included. ​ You might also need (explore for more information): ​ Public Event Liability Insurance General Liability Insurance Amazon Seller Insurance

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) ​

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

Inpro Insurance Traffic & Casco PRICE QUOTE EE Vehicle Reg. No First Name Email Insurance type Insurance type Family Name Phone no. I agree with processing of my personal data in accordance with Privacy Policy of Inpro Insurance Brokers OÜ. SEND Thanks for your inquiry! The answer will come in a few minutes.

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. ​

Yacht & Motorboat Insurance REQUEST QUOTE ASK FOR AN OFFER ​ Inpro Insurance offers clients the best possible protection for all of their insurance needs. As one of the most experienced insurance broker on the market, we have built quite the clientele by maintaining a strict customer-comes-first approach. If you are looking to do business with a top notch insurance broker that does everything in its power to ensure your satisfaction, contact us today. Our experts are here for your every insurance need and will be happy to supply you with a free quote for your yacht or boat. Request quote or contact us: info@inpro.ee ​ YACHT AND MOTORBOAT INSURANCE ​ Under small crafts suitable for a special yacht and motorboat insurance coverage are usually considered the ship's less then 80 GRT, with the passenger carrying capacity 12 or less person, with the main engine power not more then 55 kWt, as well as the crafts with outboard motor notwithstanding their power, but also the sailing boats, rowing boats and other crafts without engine. The standard yacht and motorboat insurance contract covers the losses and expenses of the boat owner, leaser or other lawful interest due to the actual or constructive total loss of vessel, as well as the damage to hull, machinery, equipment and parts caused by following reasons: ​​ Fire, as onboard of the insured vessel as well as outside the vessel, the insurers also re-reimburse the expenses of fire extinguishing Storm, lightning, earthquake, hail, tornado Capsizing of vessel and grounding Collision with other vessel or any fixed or floating object Explosion onboard of insured vessel Accident during launching of vessel or lifting the vessel from water Accident during loading, discharge, shifting cargo or spares, fuel, equipment etc The losses due to theft or robbery of vessel, her equipment, spare parts including the losses caused by the attempt of theft or robbery The losses due to intentional act of third person (vandalism) The fair and reasonable losses bared to minimize the damage, mitigation costs, survey costs. ​ ​ In addition to the above mentioned risks covered by yacht and motorboat insurance, the owner of yacht or boat may consider the possibility to protect himself with Liability Insurance , which cover the liability for losses caused to third party. Here below a couple of examples of covered risks: ​ Pollution due to oil or fuel spillage from the insured craft Damage to the life or health of third party persons Collision damage to the vessels owned by third party Damage to third party property, such as berths, piers, fenders, buoys, port facilities Wreck removal ​ ​ We can assist you to chose reasonable cover of real risks and of course at fair price. Experience protecting you. ​

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 . ​

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. ​

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

Directors & Officers (D&O) General Insurance Terms and Conditions Terms and Conditions No. GC 2019.0 (effective as of 01.07.2019) Kohustuslik liikluskindlustus Tingimused nr EE-16 (kehtivad alates 01.10.2014) Liikluskindlustuse seadus (kehtivus alates 01.01.2015) Autoabi tingimused Tingimused nr EE-15 (kehtivus alates 01.10.2014) Teabedokument ​ Kaskokindlustus Tingimused nr A6-03 (kehtivus alates 10.06.2020) Teabedokument ​ Kodukindlustus Koguriskikindlustus Tingimused nr EE1E-2 (kehtivus alates 20.12.2016) Nimetatud riskide kindlustus Tingimused nr EE1F-2 (kehtivus alates 20.12.2016) Teabedokument ​ Reisikindlustus Tingimused nr EE16-2 (kehtivus alates 19.07.2016) Teabedokument ​ Õnnetusjuhtumikindlustus Tingimused nr EE6-1 (kehtivus alates 04.07.2017) Lisa Nr.1 Õnnetusjuhtumikindlustuse püsiva puude hüvitise tabel Lisa Nr.2 Õnnetusjuhtumikindlustuse valuraha väljamaksemäärade tabel Lisa Nr.3 Õnnetusjuhtumi tagajärjed, seoses millega makstakse kindlustatule välja ravikulud, päevaraha ja haigusraha Lisa Nr.4 Kriitiliste haiguste kindlustamise tingimused Teabedokument General Insurance Terms and Conditions Terms and Conditions No. GC 2019.0 (effective as of 01.07.2019) Kohustuslik liikluskindlustus Tingimused nr EE-16 (kehtivad alates 01.10.2014) Liikluskindlustuse seadus (kehtivus alates 01.01.2015) Autoabi tingimused Tingimused nr EE-15 (kehtivus alates 01.10.2014) Teabedokument ​ Kaskokindlustus Tingimused nr A6-03 (kehtivus alates 10.06.2020) Teabedokument ​ Kodukindlustus Koguriskikindlustus Tingimused nr EE1E-2 (kehtivus alates 20.12.2016) Nimetatud riskide kindlustus Tingimused nr EE1F-2 (kehtivus alates 20.12.2016) Teabedokument ​ Reisikindlustus Tingimused nr EE16-2 (kehtivus alates 19.07.2016) Teabedokument ​ Õnnetusjuhtumikindlustus Tingimused nr EE6-1 (kehtivus alates 04.07.2017) Lisa Nr.1 Õnnetusjuhtumikindlustuse püsiva puude hüvitise tabel Lisa Nr.2 Õnnetusjuhtumikindlustuse valuraha väljamaksemäärade tabel Lisa Nr.3 Õnnetusjuhtumi tagajärjed, seoses millega makstakse kindlustatule välja ravikulud, päevaraha ja haigusraha Lisa Nr.4 Kriitiliste haiguste kindlustamise tingimused Teabedokument General Insurance Terms and Conditions Terms and Conditions No. GC 2019.0 (effective as of 01.07.2019) ​ Commercial property insurance All risks insurance Terms and conditions No. EE1B-1 (effective as of 18.02.2015) Named perils insurance Terms and conditions No. EE1A (effective as of 18.02.2015) Business Interruption insurance terms Terms and conditions No. EE59-1 (effective as of 18.02.2015) ​ Liability Insurance Conditions Professional indemnity liability insurance conditions PI 2018.1 Architect´s and engineer´s professional liability insurance conditions PI 2018.2 Health care provider liability insurance conditions PI 2018.3 General activity´s liability insurance conditions GL 2018.2 House owners liability insurance conditions GL 2018.3 Product liability insurance conditions GL 2018.4 Employers Liability insurance conditions GL 2018.5 Event organizer´s liability insurance conditions GL 2018.6 Construction company liability insurance GL 2018.8 ERGO Insurance SE General terms and conditions Kindlustuslepingute üldtingimused KT.0948.18 (kehtivad alates 07.02.2019) ​ Kohustuslik liikluskindlustus Liikluskindlustuse tingimused KT.0939.18 (kehtivad alates 08.02.2018 sõlmitud lepingutele) ​ Kaskokindlustus Sõidukikindlustuse tingimused KT.0921.13 Kaskokindlustuse tingimused KT.0959.20 (kehtivad alates 27.07.2020) ​ Kodukindlustus Kodukindlustuse tingimused KT.0928.15 - MIDI Kodukindlustuse tingimused KT.0950.19 - MAKSI ​ Reisikindlustus Reisikindlustuse tingimused KT.0917.13 Õnnetusjuhtumikindlustus Õnnetusjuhtumikindlustuse tingimused KT.0918.13 Õnnetusjuhtumikindlustuse valuraha ja püsiva puude hüvitiste tabel KT.0920.13 Õnnetusjuhtumikindlustuse kindlustusjuhtumite ja välistuste selgitused General Insurance Terms and Conditions Kindlustuslepingute üldtingimused KT.0948.18 (kehtivad alates 07.02.2019) ​ Corporate Property Insurance Conditions of corporate insurance KT.0942.19 (Valid for contracts issued until 13.07.2020) Conditions of corporate property insurance KT.0903.13 Conditions of property insurance risks KT.0904.13 All risks insurance conditions KT.0785.11 Safety requirements of corporate property insurance KT.349.08 Equipment failure insurance conditions failure of computer and office appliances KT.0770.11 Special conditions of liability insurance KT.0906.13 Business interruption insurance conditions KT.0905.13 Conditions of property insurance of apartment association KT.0907.13 Terms and conditions of property Insurance risks of apartment association KT.0908.13 ​ Liability Insurance General Third Party Liability insurance conditions KT.0225.07 Terms and conditions for freight forwarder liability insurance KT.0643.10 Product liability insurance conditions KT.0224.07 Professional liability insurance conditions of architects and engineers KT.02.18.07 ERGO Insurance SE üldtingimused Kindlustuslepingute üldtingimused KT.0948.18 (kehtivad alates 07.02.2019) ​ Kohustuslik liikluskindlustus Liikluskindlustuse tingimused KT.0939.18 (kehtivad alates 08.02.2018 sõlmitud lepingutele) ​ Kaskokindlustus Sõidukikindlustuse tingimused KT.0921.13 Kaskokindlustuse tingimused KT.0959.20 (kehtivad alates 27.07.2020) ​ Kodukindlustus Kodukindlustuse tingimused KT.0928.15 - MIDI Kodukindlustuse tingimused KT.0950.19 - MAKSI ​ Reisikindlustus Reisikindlustuse tingimused KT.0917.13 Õnnetusjuhtumikindlustus Õnnetusjuhtumikindlustuse tingimused KT.0918.13 Õnnetusjuhtumikindlustuse valuraha ja püsiva puude hüvitiste tabel KT.0920.13 Õnnetusjuhtumikindlustuse kindlustusjuhtumite ja välistuste selgitused General Insurance Terms and Conditions Generag Insurance Terms and Conditions ​ ​ Kohustuslik liikluskindlustus ​ ​ Kaskokindlustus Vehicle Insurance (SK101-2021, valid from 09.02.2021 unofficial translation from Estonian) ​ Kodukindlustus ​ ​ Reisikindlustus ​ Õnnetusjuhtumikindlustus ​ General Insurance Terms and Conditions -

Files & Folders Item name Last updated Views Favorites Contributors BTA 0 items can access Jul 21, 2021 14 0 Inpro Insurance Item BUNDA 3 items can access Sep 23, 2021 9 0 Inpro Insurance Item CFC 6 items can access Mar 15, 2022 7 0 Inpro Insurance Item Cyber Insurance 2 items can access Aug 16, 2021 5 0 Inpro Insurance Item Ergo Insurance SE 0 items can access Jul 21, 2021 6 0 Inpro Insurance Item Ergo Life 1 item can access Aug 31, 2021 26 0 Inpro Insurance Item General Liability (Üldvastutus) 1 item can access Aug 12, 2021 5 0 Inpro Insurance Item Gjensidige 0 items can access Jul 21, 2021 13 0 Inpro Insurance Item If P&C Insurance 0 items can access Jul 21, 2021 9 0 Inpro Insurance Item Mandatum Life 3 items can access Jul 21, 2021 16 0 Inpro Insurance Item Professional Liability (PI) 3 items can access Aug 12, 2021 7 0 Inpro Insurance Item PZU 0 items can access Jul 21, 2021 8 0 Inpro Insurance Item Salva Kindlustus 0 items can access Jul 21, 2021 11 0 Inpro Insurance Item Seesam 0 items can access Jul 21, 2021 11 0 Inpro Insurance Item Tingimused (Conditions) 1 item can access Aug 18, 2021 3 0 Inpro Insurance Item Volikiri 1 item can access Aug 31, 2021 7 0 Inpro Insurance Item

Travel Insurance REQUEST QUOTE ASK FOR AN OFFER ​ Inpro Insurance offers clients the best possible protection for all of their insurance needs. As one of the most experienced insurance broker on the market, we have built quite the clientele by maintaining a strict customer-comes-first approach. If you are looking to do business with a top notch insurance broker that does everything in its power to ensure your satisfaction, contact us today. Our experts are here for your every insurance need and will be happy to supply you with a free quote for any kind of travel. Request quote or contact us: info@inpro.ee ​ COMPREHENSIVE MOTOR INSURANCE ​ Comprehensive motor insurance or 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 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. ​ Travel 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. ​ COMPREHENSIVE MOTOR INSURANCE ​ Comprehensive motor insurance or 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 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. ​

Health Insurance GET A QUOTE More info Contact Person First Name Email Family Name Phone no. Company Company Name Number of Employees I agree with processing of my personal data in accordance with Privacy Policy of Inpro Insurance Brokers OÜ. SEND Thanks for your inquiry! The answer will come in a few minutes.

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. ​ 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

Life and Personal Accident Insurance REQUEST QUOTE ASK FOR AN OFFER ​ We have got the great insurance solutions to motivate your employees to be loyal to your company. Our professional insurance advisers (phone: +372 383 8118 , email: info@inpro.ee ) will help you find the most suitable solution that is beneficial to both parties. Motivated and satisfied employees guarantee a successful business. The opportunity for self-realization, challenge and motivation ensure the interest of employees in the company's goals and their fulfillment. It is important for each company that investments in the development of a valuable employee are beneficial in the long run. Inpro Insurance offers life and/or accident insurance for your company employees, which helps the company to cover the costs of the loss of an employee and at the same time to provide financial support to the employee's relatives. Loan insurance helps the employee's family if he or she can no longer be a loan payer. The main insurance cover of a life insurance policy is death benefit. ​ INDICATION LIFE & ACCIDENT INSURANCE FOR EMPLOYEES REQUEST QUOTE Bronze Silver Gold Death Indemnity € 100,000 € 150,000 € 200,000 Permanent Disability Indemnity € 100,000 € 150,000 € 200,000 Temporary Health Damage Indemnity € 1,000 € 3,000 € 5,000 Accident Insurance premium a month (x12) 14.90 € 24.90 € 29.90 € Life Insurance / Loan Insurance € 100,000 € 200,000 € 300,000 Life Insurance premium a month (x12) € 15 € 30 € 45 Total Insurance premium a month (x12) 29.90 € 54.90 € 74.90 € This is an indicative premium rate, which depends primarily on the chosen sum insured and the age of the insured. The payment may also be affected by the insured person's state of health, high-risk occupation or pursuit of extreme hobbies. For more information, contact our specialist by phone: (+372) 383 8118 , email: info@inpro.ee CORPORATE SOLUTION OF PERSONAL ACCIDENT INSURANCE ​ None of us is protected against accidents, but we can protect ourselves against the troubles related to them. Inpro Insurance offers the opportunity to combine an accident insurance package in accordance with your company and its employees needs by the following types of compensation: ​ Death indemnity – intended to help the loved ones of your employee Permanent disability indemnity – the consequences of an accident can be very serious. Permanent disability indemnity helps to ensure a dignified life and maintain your employees previous standard of living Indemnity of treatment expenses – if after an accident your employee requires medical rehabilitation, dental care or mobility support devices (such as crutches, joint support, etc.), this insurance cover is indispensable Daily allowance benefit – intended to preserve the monthly level of your employees income following an accident Indemnity for pain and suffering – of help in the case of temporary damage to health. ​ SOLUTIONS VALIDITY ​ Part-time insurance – valid at work during working hours only Full-time insurance – valid worldwide, 24/7 ​