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

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 -

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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. ​

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