Personal Liability Insurance 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. ​ Now Inpro Insurance clients can get more benefits out of Personal Accident insurance as it is extended with Personal Liability cover . Why it’s worth considering? ​ Broad cover including legal defense costs and immaterial damage up to full limit Cover valid worldwide and 24/7 Cover includes liability for damages caused by willful acts of your children (under 12 years old) Sums insured from 1.000 € up to 5.000 € So when would Personal Liability coverage kick in? Here are few scenarios: ​ You injured someone while riding a scooter, bicycle, skateboard or skiing in mountains You accidentally damaged rented property (including scooter or bicycle) You’re found responsible for injuring someone or damaging their property while you are traveling abroad Your children damaged some expensive goods while you are shopping in the mall And many more situations when you’re found liable for damaging thirty party property No deductible is applied. ​

Corporate Health Insurance Services and limits Plan "SPORT" Plan "OPTIMAL" Plan "DENTAL" Preventive Health Checks € 250 300 € 200 € Dental deductible (%) 20% 20% 0% Dental € 400 € 400 140 € Sport - € 150 - Rehabilitation € 400 € 400 € 100 Vaccination - € 150 - Out-patient services € 5,000 € 3,000 € 2,000 In-patient services € 5,000 € 3,000 € 2,000 Optics - € 150 - Compulsory Health Checks € 100 € 200 € 100 Insurance Compensations a year € 11,150 € 7,750 € 4,440 Premium a year (per person) € 400 € 400 € 200 Deductible 0% 0% 0% Mandatory health examinations, incl. Occupational health, mandatory health certificates: 150 € Preventive health examinations including COVID-19, food intolerance and allergy tests: 200 € Outpatient care, including teleconsultations, consultations without a referral from a psychiatrist, psychologist or psychotherapist: 3 000 € Hospital treatment (day hospital and inpatient): 3 000 € Dental treatment, hygiene, orthodontics and prosthetics procedures: 500 € Rehabilitation prescribed by a doctor: 300 € Vaccination (all vaccines including COVID): 150 € Supplementary protection for critical illness (lump sum): 2 000 € Total sum insured: 9 300 €

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

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.

Commercial Property Insurance REQUEST QUOTE ASK FOR AN OFFER ​ As soon as your request is received, we will analyze the risks associated with the property / activity of your company and provide you with a choice of insurance solutions from which you can choose the most suitable. Ask for an offer now, write to us: info@inpro.ee or send an inquiry using "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 COMMERCIAL PROPERTY INSURANCE ​ Corporate Property Insurance is a necessary characteristic of every business entity from an moderately sized office to a large factory. Corporate Property insurance manages risks related to a company’s tangible assets. In case business property is mortgaged, this insurance is also required by banks and other financial institutions. Also explore the Liability Insurance and Comprehensive Insurance solutions. ​ WHAT PROPERTY CAN BE INSURED ​ Under Commercial Property Insurance the following facilities can be insured: whole building or its part, processing areas, warehouses, ramps, transport junctions. In case a company rents their office, they may only insure interior finish. Insured Value equals to replacement value of subject matter insured that depends on its conditions and technical characteristics. Scope of insurance cover may vary: from minimum cover to full set of risks including additional risks. ​ EXTENDED COVER ​ Apart from real estate policy cover may be extended to include protection for furniture, office appliances, operating equipment, raw materials, manufactured goods etc. In this case insured value is determined by company fixed assets, which is provided to accountants, or by list of company effects to be insured that constitutes part of a policy. Commercial Property Insurance also includes cover for stored goods. ​ Business Interruption Insurance BUSINESS INTERRUPTION ​ Business Interruption insurance covers losses of the Assured when it is impossible to continue commercial activity of the company due to the following events: ​ fire, stroke of lightning, gas explosion explosion of technological equipment working under pressure natural catastrophes damage to property caused by liquid discharged from heating, water supply, fire extinguishing & sewer systems malicious damage of third parties and running-down of a vehicle burglary and robbery the crash of an aircraft or its parts Compensation under Business Interruption is paid only if insured property of the company is damaged or destroyed as a result of an insured event and it is paid by the Insurer. Business Interruption covers losses caused by discontinuance of activities during the maximum period indicated in the policy. Compensation paid according to the last finance reports of the Assured. Business Interruption insurance cover is offered only as part of Business Property Insurance Contract. ​ REQUEST QUOTE Apartment Assiciation 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

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

Drone Insurance REQUEST QUOTE ASK FOR AN OFFER ​ Damage caused to the insured object in the amount of up to € 3,000 is indemnified. ​ In addition, personal injury and property damage caused by the insured object to third parties shall be indemnified to the extent of the liability insurance coverage selected in the insurance contract. Prerequisite for insurance coverage is the choice of building / apartment, home property and liability insurance protections. ​ 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. ​

Motor TPL (Traffic) Incurance REQUEST QUOTE ASK FOR AN OFFER ​ Once we have received your inquiry, we will quickly compare the offers of different insurance companies and help you choose the most suitable insurance solution for you. A comparison of offers will be sent to your e-mail within minutes. Our clients always get the best insurance terms at the best price. ​ If another insurance broker offers you a more favorable solution on the same terms, we will make you an even better offer. We provide our clients by finding the best options and by claim handling assistance. We always remember when your vehicle insurance expires and let you know when it's time to re-insure. ​ ​ CORPORATE FLEET INSURANCE ​ The fleet insurance solution covers Casco Insurance and/or Motor Third Party Liability insurance for the company vehicles (if needed for vehicles owned by company employees as well). ​ We always find the most suitable solutions for our clients for a variety of applications and fleets - cars, buses, trucks, equipment, and trailers. Contact us > info@inpro.ee or press "Request Quote". MOTOR TPL (TRAFFIC) INSURANCE Motor Third Party Liability Insurance - Compulsory third party liability insurance covers the liability of a driver towards third parties and is governed by the Motor Third Party Liability Insurance Act . If the vehicle causes damage to a third party (for example, breaking a traffic sign, post or garden, running into another car, injuring a pedestrian, or being injured by co-passengers in the car, etc.), the victim will be compensated by the insurer's motor third party liability insurance. Anyone who causes a pedestrian or cyclist's traffic injury is indemnified, regardless of who caused the accident. All motor vehicles registered in the Estonian National Motor Vehicle Registration Center ( ARK ) and their trailers must have valid motor third party liability insurance, irrespective of whether the vehicle is used and participating in road traffic or not. ​ Categories of vehicles: ​ Cars Taxi (Incl. Bolt , Uber etc.) explore more > here . Mopeds and motorcycles Vans Trucks Trailers Buses Tractors ​ GREEN CARD As the policy provides insurance cover in Estonia and other countries of the European Union and the European Economic Area, it is advisable to bring an international motor third party liability insurance policy, or a green card, which is issued in addition to the policy. A green card must accompany the vehicle if it is to be used in a Member State which is not a contracting party to the European Union or the European Economic Area. More info > here THE LARGEST GPS PLATFORM. Car Cops tracks over 2 million vehicles Car GPS Tracking Want to know where the workers are? Car GPS tracking helps you keep an eye on your car fleet on your computer/mobile, where you can see exactly what the cars are doing. View men's business hours on-site, real-time car location, parking, route history and play off. CarCops guarantees that you will reduce private travel and fuel consumption and save many times more than the monthly service fee. I dare say that GPS tracking is a positive investment that puts money in your pocket every month that would otherwise be spent on fuel, logistics planning, and checking men's working hours. Who is GPS Tracking for? Car GPS tracking is designed for all vehicles, whether it is a van, car, truck, or heavy equipment. As the service is guaranteed with the best price on the market, it is affordable for all car owners. CarCops Autovalve is also helpful when searching for a car that has been moved, for example, due to incorrect parking. How to join CarCops Autovalve? You can join very easily on our website www.carcops.ee/tellimine . Enter the order and all the necessary information so that we can prepare the contract. You can sign the contract with an ID card. After concluding the contract, we will send you a GPS device FREE of charge all over Estonia using SmartPost. You can install the device yourself or use our installers all over Estonia. Read the terms of the agreement HERE .

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.

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) ​

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. ​ About Yachts and Motorboats Insurance in details read > here . ​

Home Insurance Corporate Property Insurance Travel Insurance Health Insurance Dental Insurance Life Insurance Traffic Insurance (Motor TPL) Casco Insurance Personal Accident Insurance Civil Liability Insurance Health Insurance Yachts & Motorboats Private Client insurance solutions Motor TPL Insurance Compulsory insurance which covers civil legal liability for damage caused to third party by driving the motor vehicle. ​ Explore Travel Insurance Travel insurance is necessary for every traveler, regardless of gender and age. It is satisfaction and confidence during the trip. Explore Boat and Yacht Insurance As a rule, it is possible to insure ships up to 24 meters in length. There are two types to choose from: full insurance or partial insurance. Explore Health Insurance Currently only available as a Health Insurance solution for employers. Ask your employer! Explore Life and Personal Accident An accident can lead to a loss or incapacity for work, which in turn leads to financial problems due to reduced income. Explore Casco Insurance Casco is for different types of vehicles that are permanently or temporarily registered in the Republic of Estonia. Explore Home Insurance Home insurance gives you the opportunity to restore your property to its original condition in the event of a major accident. Explore Drone Insurance Damage caused to the insured object in the amount of up to € 3,000 is indemnified. Explore Personal Liability Insurance Broad cover including legal defense costs and immaterial damage up to full limit. Explore CPM For construction equipment, tractors, crushers, saws, tanks, belt conveyors, etc. Explore Useful reading Inpro Insurance Yacht & Motorboat Insurance in details Inpro Insurance Motor Insurance (Usage “Taxi” VS “Regular”) Explained Inpro Insurance Motor Casco Insurance Inpro Insurance Health Insurance advantages for Employees and Employers in Estonia Read more >

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 ​

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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 ​

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) ​

Casco Insurance Conditions LHV Kindlustus AS The Terms and Conditions of Motor Hull Insurance - 01.02.2022 - ENG - Link The Terms and Conditions of Motor Hull Insurance - 01.02.2022 - ENG - PDF Insurance Service Information Document ERGO Insurance SE Casco Insurance Terms KT.0959.20 - ENG - Link Casco Insurance Terms KT.0959.20 - ENG - PDF Insurance Service Information Document BTA Baltic Insurance Company Casco Insurance Terms № A6-03 - ENG - Link Casco Insurance Terms № A6-03 - ENG - PDF Insurance Service Information Document Seesam (Compensa Vienna Insurance Group) Motor Vehicle Insurance Conditions 2/2020 - ENG - Link Motor Vehicle Insurance Conditions 2/2020 - ENG - PDF Insurance Service Information Document

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

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Construction Insurance ASK FOR AN OFFER CONSTRUCTION AND ASSEMBLY WORK INSURANCE ​ Construction and assembly insurance is an opportunity to protect your investments and the interests of all parties in construction and assembly and design work. In most cases, this insurance is mandatory for construction companies at the request of customers and partners. CAR & EAR ( CAR - Construction All-Risk and EAR - Erection All-Risk ) ​ Total construction risk insurance is a complex insurance policy consisting of a property insurance part and a liability insurance part . The policyholder may be a person who has an insurance interest - a construction company (general contractor or subcontractor), a client of construction works, the owner of a building or the legal possessor. PROPERTY INSURANCE Property damage insurance cover is valid during the construction period and the subsequent warranty period. The insurance cover for the property damage guarantee period is offered together with the insurance cover for the construction period. The object of insurance is the construction of a building or the performance of construction work. It is also possible to secure construction machinery, tools and implements used in construction work, such as heat accumulators, scaffolding, tools, tables, chairs, shelves, cabinets, computers and office equipment in a warm and / or storage room. An insured event of property damage is unexpected and unforeseen damage, destruction or loss of the object of insurance at the place of insurance and during the validity of the insurance cover for a reason that is not excluded according to the insurance terms and conditions. ​ CAUSES OF PROPERTY DAMAGE Fire, lightning strike Water or other liquid escaping from a broken inland waterway network or sewerage system or parts thereof, or leaking from the said parts of the building; water or other liquid escaping from a broken heating, cooling or fire-fighting system of a building or parts thereof, or leakage of such systems A tree or other object that has fallen on the insured object due to a storm or storm, a natural flood Burglary, robbery and vandalism Construction machinery colliding with a moving or stationary object, running into an obstacle, overturning, falling into the machine or falling into a ditch or ditch, and carelessness of the machine operator when using the machine POSSIBLE ADDITIONAL PROTECTIONS Cleaning, demolition and freight costs related to the elimination of the consequences of the insured event Additional costs due to working outside working hours and on public holidays (overtime pay) in connection with the restoration of a damaged building Additional costs incurred due to the need for expedited delivery of damaged material or spare part that needs to be replaced (additional cost for express transport) Damage to the customer's existing building during the construction works Damage caused by a design error to a properly constructed building or part thereof Damage caused during sample operation or testing; Damage caused by transporting construction material from the place of departure of the cargo to the construction site. LIABILITY INSURANCE Liability insurance cover is valid during the construction period and the subsequent warranty period. The object of insurance is the proprietary obligations of the insured person arising from unlawful damage related to the construction activities. The insurance cover extends to persons insured on the basis of an insurance contract. The insured person is the policyholder and all persons used by the policyholder in the performance of his or her construction contractual obligations. ​ An insured event of liability damage is the unlawful infliction of damage by the insured person to a third party, as a result of which the insured person has incurred a legal obligation to compensate for the damage. ​ LIABILITY INSURANCE COVERAGE EXPANDS Claims between insured persons (cross-liability) Requirements for Damage or Destruction of an Underground Cable, Pipeline or Other Underground Communication Requirements due to vibration, removal or weakening of support elements. DAMAGES FOR COMPENSATION Damage resulting from damage, destruction or impairment of the victim's property Property damage due to personal injury, such as the cost of treatment for the victim, damage due to temporary and / or permanent incapacity for work or funeral expenses Legal aid expenses (expenses of the insured person for legal aid, expertise and court proceedings), if they are necessary to prove the absence of fault of the insured person.