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  • LIABILITY & PI INSURANCE

    We will find the way to predict all the risks and find the insurance cover in accordance with your needs. We are in this together.

  • LIFE & HEALTH INSURANCE

    We will find the way to predict all the risks and find the insurance cover in accordance with your needs. We are in this together.

  • OPERATIONAL RISKS ANALYSIS

    We will find the way to predict all the risks and find the insurance cover in accordance with your needs. We are in this together.

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Blog Posts (12)

  • 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. What is a retroactive date in a professional indemnity policy? A retroactive date is the date from which you have held uninterrupted professional indemnity insurance cover (even if you changed insurer during this time) or a date in the past from which your insurer has agreed to cover you. Any claims that arise from events prior to this date is not covered by your insurance. 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. Can you backdate insurance? If you didn’t initially choose to take out PI insurance, but later down the line realise the benefits for your business, it’s not too late to cover previous work done. When taking out your PI policy, you can ask for the policy to be backdated. The underwriter will want to be satisfied that you are not buying the policy with an ulterior motive – for example that if, after a few questions, it seems as if a claim may be coming your way. But if they are satisfied it was really an oversight and (with hindsight) a mistake, you may be offered terms to cover work previously done, with an agreed retroactive date prior to the start date of your new policy – however, you should expect to pay for this. The insurer is taking on additional risk, so this is likely to be reflected in the premium. So, yes retroactive date is a technical term for the industry, but one it’s important for small business owners to understand. Do you know how far back your PI policy covers you for work done? If the answer’s no, you may want to check your policy with your insurer for peace of mind. #professionalindemnity #inproinsurance

  • Freight Forwarders Liability Insurance: The What, Why, How

    Even the best freight forwarders cannot predict accidental damages to the cargo. Freight Forwarders Liability (FFL) Insurance provides coverage against these unforeseen damages or losses. Something that eases the financial strain on the company and reducing the risks involved. With global trade increasing every day, freight forwarders are expanding their network around the world. But, sailing in the uncertain waters comes with a host of possibilities and uncertainties. Having insurance during your operations can become more of a necessity than an option. Especially during unexpected circumstances and accidents leading to damages and financial losses. And for the freight forwarding company, who is liable for the shipment and has to bear the costs in case of any uneventful situations, it is important to keep in mind. That’s where Freight Forwarders Liability Insurance comes in. Here’s everything you need to know about it. The What, Why, and How… What is Freight Forwarders Liability Insurance? Freight forwarders are companies that handle and coordinate the shipment of goods through carriers via sea, air, rail, or road. The FFL insurance is specifically aimed to protect the freight forwarders. Against accidental damages or losses to the cargo until the time it is delivered. This insurance is crucial. It provides financial cover to the companies from the claims made by third parties for the lost shipment. Depending on the terms in the insurance, the FFL Insurance can cater to many. Such as: freight forwarders, non-vessel operating common carriers (NVOCC), haulage companies, warehouse keepers, logistics operators, multimodal transport operators, among others. Why is the Liability Insurance Important for Freight Forwarders? Liability = When a company is legally responsible for something. The freight company is responsible for the goods after it is handed over. The company is then liable for any damages or losses until the shipment is delivered to the receiver. Recently, a cargo ship lost 40 containers due to rough sea conditions off Australia’s east coast. Additional 70+ containers were damaged by heavy rolling due to instability. The key point is that even the best freight forwarders cannot predict accidental damages. There are many ways cargo is damaged – in ways that you wouldn’t have foreseen. Cargo can get damaged due to mishandling, natural calamity, any consequential losses, abandonment, vessel rerouting, late custom release, or even delay in paperwork. The cover for these losses can be fairly high – sometimes, even thousands of dollars! These unexpected damages can be financially heavy on the freight forwarding company. The FFL Insurance comes into play here, thus providing cover insurance for the losses and easing the financial strain. What is Covered in the FFL Insurance? Depending on the insurance company, the FFL Insurance cover: Damage or loss to the cargo during transit, Custom fines and duties (due to errors and omissions) including delays, Third-party liabilities (like legal expenses, mitigation costs, debris removal, etc.), Port authorities for any breach of regulation or duties, Uncollected or abandoned cargo, Financial claims from shippers and receivers, Operational services (like distribution, storage, haulage, packaging, etc.) against fire, explosion, or other natural calamities, Legal protection services to tackle unjustified third-party claims, Coverage for personal injury or employee injury during operations, Damage repair and lost units, Recovery and maintenance costs (full cover), etc. During insurance claim, your underwriter may assess several risk and liability factors, like: Cargo Details (Type of cargo being shipped, the value of goods, how it is packed, reefers or normal containers, etc.) Type of Service (How is the cargo transported, warehousing options, chassis services, etc.) Subcontractors Involved (their credibility, contracts, etc.) Receipt of the Freight (including payments to subcontractors, fines, duties, tax, fiscal charges, etc.) Other Important Documents (mainly Bill of Lading, and any other contract involved) How to Choose the Best Freight Forwarders Liability Insurance? Before you choose a company for insurance, there are a few things that you can keep in mind: 1. Know your exact requirements You need to have complete details about the shipment and your needs, before getting insurance. The insurance depends on the modes of transport being used, risks involved, customs duties, etc. 2. Check the ‘Inclusion’ and ‘Exclusion’ list It is extremely important to know what terms are included in the policy. On the contrary, do ask your insurance provider about what is not covered under the insurance. And whether you can cover that through extra charges. 3. Be assured of the credibility of the insurer The company providing the insurance should be backed by proof and provide credible information. Make sure to check the company and beware of any frauds. If you have any doubts or questions, don’t hesitate to ask the insurer about your concerns. We never know the risks and circumstances that may arise. Having freight forwarders liability insurance is a huge relief by reducing the risks involved and providing loss coverage. #inproinsurance #FFL #liability

  • Almost a Quarter of IT Employees in Estonia Are Foreigners

    Internationals engaged in the IT sector make almost a quarter of the employees of this field in Estonia, according to a recent statement of the Estonian government. The press release quotes the Prime Minister of the country Jüri Ratas, who talked on the issue during a meeting with representatives of start-ups, in which were discussed the opportunities for helping the private and venture capital market get more in shape, SchengenVisaInfo.com reports. According to Ratas, start-ups and the IT sector have high potential on offering high value-added products. “As almost a quarter of the employees in this sector are foreigners, because of our economic growth and competitiveness, it is important that Estonia must be a country where foreign talent wants to come,” Estonia’s Prime Minister pointed out. He also added that together with the Ministry of Economic Affairs and Communications and the representatives of the sector will find common solutions to support startup entrepreneurs. During the meeting, it was also discussed the current situation in the startup sector. According to the Estonian Startup Database, a total of 1,105 startups with almost 6,300 employees are registered in Estonia. As for the salary in this sector, it amounts to 2,508 euros, nearly 1.8 times higher compared to the average wage in Estonia. Throughout the meeting, was also discussed the introduction of new employment relations forms, in order to make labour legislation more flexible, some of which were proposed by start-up companies. “Working in Estonia and investing in it must be as easy as possible, and the legislation regulating it is supportive and relevant,” the PM highlighted. Estonia is among the EU countries with the highest number of startups per capita, according to e-Estonia. IT companies located in Estonia offer strategic consulting, IT development for reliable e-solutions and change management. Estonia is one of the friendliest countries in Europe for IT workers and companies. It even has a Digital Nomad Visa, which permits internationals to work for overseas employers or as a freelancer. Through the Digital Nomad Visa, aliens who are occupied in jobs independent of location can work remotely in Estonia. Technology, together with finance and marketing are main sectors in which internationals are engaged through the DNV, in Estonia. Also, Estonia’s e-Residency program, which is being considered successful, will be expanded in 20 different countries across the world. Health Insurance for expats in Estonia, discover more > #inproinsurance #healthinsurance

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  • Liikluskindlustus | Inpro Insurance | Sõidukipargilahendused

    Liikluskindlustus SAADA PÄRING KÜSI PAKKUMIST ​ Kui päring on meieni jõudnud, võrdleme kiiresti erinevate kindlustusseltside pakkumisi ning aitame valida Sulle sobivaima kindlustuslahenduse. Pakkumiste võrdlus tuleb Sinu e-mailile mõne minutiga. Inpro Insurance kliendid alati saavad parimad kindlustustingimused ja turu parima hinnaga. ​ Kui mõni teine kindlustusvahendaja pakub Sulle samade tingimustega soodsamat lahendust, teeme Sulle veel parema pakkumise. Oleme oma kliendile abiks nii parimate variantide leidmisel, kui ka toeks kindlustusjuhtumi korral. Alati peame meeles, millal lõppeb Sinu sõiduki kindlustus ja anname märku, kui on aeg uuesti kindlustada. ​ ETTEVÕTTE SÕIDUKIPARGI KINDLUSTUS Sõidukipargi kindlustuslahendus hõlmab liiklus - ja kaskokindlustust ettevõtte sõidukitele (soovi korral ka ettevõtte töötajate omaduses olevatele sõidukitele). ​ Leiame sobivad lahendused oma klientidele erineva kasutusala ja suurusega sõidukipargile – sõiduautod, bussid, veoautod, töömasinad ja haagised. Kirjutage meile > info@inpro.ee või vajutage nuppu "küsi pakkumist" üleval nurgas. LIIKLUSKINDLUSTUS Liikluskindlustus – kohustuslik tsiviilvastutuskindlustus, millega kindlustatakse sõidukijuhi vastutus kolmandate isikute ees ja seda reguleerib liikluskindlustuse seadus . Kui sõiduk põhjustab kolmandale isikule kahju (nt sõidab katki liiklusmärgi, posti või aia, sõidab otsa teisele autole, tekitab vigastusi jalakäijale või teelt väljasõidu tagajärjel saavad kannatada autos olnud kaasreisijad jne), siis kannatanule maksab hüvitist kindlustusselts kahju põhjustaja liikluskindlustuse alusel. Jalakäija või jalgratturi liikluskahju hüvitatakse sõltumata sellest, kes põhjustas liiklusõnnetuse. Liikluskindlustus tuleb sõlmida kõigil Eesti Riiklikus Autoregistrikeskuses (ARK) registreeritud mootorsõidukitel ja nende haagistel peab olema kehtiv liikluskindlustuse leping sõltumata sellest, kas sõidukit teeliikluses (metsateel, parklas, põllul, parkimismajas, sadamas sildunud riigisisest liinivedu tegevale reisiparvlaevale mootorsõidukite pealesõidul ja sellelt mahasõidul) kasutatakse või mitte. ​ ROHELINE KAART Kuna poliis annab kindlustuskaitse Eestis ja teistes Euroopa Liidu ning Euroopa Majanduspiirkonna riikides, siis on soovituslik välisriikidesse sõites kaasa võtta rahvusvaheline liikluskindlustuse poliis ehk roheline kaart, mis väljastatakse soovi korral lisaks poliisile. Roheline kaart peab kaasas olema, kui sõidukiga soovitakse liigelda rohelise kaardi süsteemi liikmesriikides, mis pole Euroopa Liidu ega Euroopa Majanduspiirkonna lepinguriigid. Täpsema info saad > siit ​ SUURIM GPS PLATVORM. Car Cops jälgib üle 2 miljoni sõiduki Auto GPS jälgimine Soovid teada, kus töölised asuvad? Auto GPS jälgimine aitab hoida autopargil silm peal arvutis/mobiilis, kus on täpselt näha, mida autod parasjagu teevad. Vaata meeste tööaega objektil, autode asukohta reaalajas, parkimisi, teekondade ajalugu ja mängi sõite maha. CarCops garanteerib, et vähendad erasõite ja kütusekulu ning säästad kordades rohkem kui on teenuse kuutasu. Julgen kindlalt väita, et GPS jälgimine on positiivne investeering, mis paneb igakuiselt raha sinu taskusse, mis oleks muidu kulunud kütusele, logistika planeerimisele ja meeste tööaja kontrollimisele. ​ Kellele on GPS jälgimine mõeldud? Auto GPS jälgimine on mõeldud kõikidele sõidukitele olenemata sellest, kas tegu on kaubiku, sõiduauto, veoauto või rasketehnikaga. Kuna teenus on turu parima hinna garantiiga, siis on see taskukohane kõikidele auto omanikele. CarCops Autovalve on abiks ka siis, kui otsitakse autot, mis on näiteks teisaldatud valesti parkimise pärast. Kuidas saab liituda CarCops autovalvega? Liituda saab väga lihtsalt meie kodulehel www.carcops.ee/tellimine . Sisestage tellimus ja kõik vajalikud andmed, et saaksime lepingu ette valmistada. Lepingu saate allkirjastada ID kaardiga. Peale lepingu sõlmimist saadame Teile GPS seadme TASUTA üle Eesti kasutades SmartPosti. Seadme saate ise paigaldada või kasutada meie paigaldajaid üle Eesti. Tutvu lepingu tingimustega SIIN .

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  • Kodukindlustus | Inpro Insurance Brokers | info@inpro.ee

    Kodukindlustus SAADA PÄRING KÜSI PAKKUMIST ​ Kui päring on meieni jõudnud, siis sobiva lahenduse väljatöötamiseks analüüsime põhjalikult Sinu varaga seotud riske ning pakume Sulle erinevate kindlustusseltside võimalusi, millest saad valida endale kõige sobivama. K irjuta meile: info@inpro.ee või saada päring. ​ Inpro Insurance Brokers pakub individuaalset lähenemist igale kliendile leides lahendusi vastavalt konkreetse isiku kindlustushuvile ning arvestades kliendi vajaduste ja nõudmistega. ​ KODUKINDLUSTUS JA VARAKINDLUSTUS ​ Kodukindlustuse põhilahenduseks , mida nõuavad ka kõik pangad ja krediidiasutused, on minimaalne kaitse kodukindlustuse raames, mis sisaldab järgmisi kindlustusriske: ​ Tulekahju, ehitusveast tingitud tulekahju Otsene välgulöök Plahvatus Torm ja tugev tuul Seadme leke (veetorud, kanalisatsioon, kütte- ja ventilatsioonisüsteemid) Vandalism Murdvargus, röövimine ​ Koguriskikindlustus on maksimaalne kaitse kodukindlustuse raames ootamatu ja ettenägematu kahjujuhtumi korral. Koguriskikindlustuse tingimustes on ainult välistused (kahjud, mida ei hüvitata): kahjud, mis tulenevad kulumisest, korrosioonist, hallitusest, närilistest ja muudest kahjuritest, vajumisest, projekteerimisvigadest ehk teisisõnu kõik kahjud, mida on võimalik ette näha ja ära hoida. Laiendatud kodukindlustuse koguriskikindlustus sisaldab ka: ​ Läbi hoone konstruktsiooni (katus, sein) imbunud vee poolt põhjustatud kahju Lume või jää liikumisest tekkinud edasine kahju ​ MIS OBJEKTE ON VÕIMALIK KINDLUSTADA ​ Korter – ainult siseviimistlus (põrandad, laed, seinad), kandvad- ja välisseinad ei ole siinkohal kindlustatud. Korter on kindlustatud tema taastamisväärtusele. Koos siseviimistlusega on automaatselt kindlustatud: elektrisüsteem, elektrimõõdik, sisseehitatud sanitaartehnika. Siseviimistluse alla kuuluvad samuti sisseehitatud riidekapid, puuküttega ahjud ja ripplaed. ​ Ehitise osa – kindlustada on võimalik lisaks korteri siseviimistlusele ka korterile kuuluvat maja mõttelist osa ehk välisviimistlust, osa keldrist või pööningust, ühiskasutatavat rõdu ja koridori. ​ Elumaja kindlustamisel on kaetud sise- ja välisseinad, katus, veranda ja trepid. Koos hoonega on kindlustatud ka väiksemad kõrvalhooned (10-20m²). Lisaks on kindlustatud ka rajatised nagu piirdeaed, tänavavalgustus, mänguväljak, kasvuhoone ja muud sarnased väikeehitised. Suuremad ehitised peavad poliisil olema eraldi märgitud. Maja, kus ei elata alaliselt , ning suvila kindlustus ei erine väga tavalise hoone kindlustusest. Küll on aga kindlustusrisk kõrgem ning kindlustusmakse suurem, kuna see ei ole nende alaline elukoht. Osa kindlustusandjaid ei kata selliste majade puhul torustiku lekkest tulenevaid kahjusid ning murdvarguse risk on kaetud ainult juhul, kui automaatne valvesignalisatsioon on ühenduses turvaettevõttega. Ehitusjärgus hoonet on samuti võimalik kindlustada, kui hoone karp on valmis ehk olemas on seinad, katus, aknad ja uksed, kuid kindlustatavate riskide valik on piiratud. Kõrvalhooneid nagu saunasid, kuure ja garaaže, on samuti võimalik kindlustada, kuid riskide valik on piiratud. ​ KODUSE VARA KINDLUSTUS ​ Soovitame kindlasti lisaks valida koduse vara kindlustuse, millega on kaitse all hoones või korteris asuv vallasvara (näiteks mööbel, sisustuselemendid, toataimed, kodutehnika, riietusesemed jne). ​ KODUKINDLUSTUSE LISAVÕIMALUSED ​ Ajutise eluaseme üürikulu kindlustus – kui kindlustusjuhtumi tagajärjel on kodu muutunud elamiskõlbmatuks, hüvitatakse ajutise eluaseme üürikulud, samuti kolimiseks vajalikud kulud. Üüritulu kaotus – kui välja üüritud hoone või korter on muutub elamiskõlbmatuks, hüvitatakse saamatajäänud üüritulu kuni 12 kuu jooksul. Vastutuskindlustus – nii uutes kui vanades majades võivad juhtuda õnnetused veevarustuse, kütte- ja muude süsteemidega. Need võivad kahju põhjustada mitte ainult kindlustatule, vaid ka kolmandatele isikutele (näiteks alumistele naabritele). Seepärast on mõistlik lisada kodukindlustusele ka tsiviilvastutuskindlustus . ​ Korteriühistukindlustus KORTERIÜHISTUKINDLUSTUS ​ Korteriühistukindlustus koosneb kahest osast: Varakindlustus Vastutuskindlustus (kolmandate isikute ees) Varakindlustusega on kindlustatud korteriühistu poolt hallatavad hoone osad ja rajatised ning vastutuskindlustusega saate korvata korteriühistu poolt hoone ja hoone juurde kuuluva territooriumi haldamisest tekitatud varalised kahjud kolmandatele isikutele ning soovi korral ka korteriühistu liikmetele. Tavalise kodukindlustusega kindlustatakse reeglina vaid korteri reaalosa (korteri siseviimistlus, põrandad, laed ja mittekandvad vaheseinad ning korterisisesed kommunikatsioonid kuni ühenduskohani). Seevastu hoone vundamendi; kandvad seinad ja laed; katuse; liftid; rõdud; ühiskasutuses olevad ruumid ning kommunikatsioonid ja tehnosüsteemid (kütte-, jahutus-, ventilatsiooni-, veevarustus-, kanalisatsiooni- ja gaasivarustussüsteem) kindlustab korteriühistukindlustus. ​ VARAKINDLUSTUSE KINDLUSTUSKAITSED Tulekindlustus - tulekahju, tahm, suits, pikselöögi otsetabamus, plahvatus Torustiku lekke kindlustus - ehitist teenindavast torustikust, mahutist või seadmest väljavoolanud aur, gaas, vesi või muu vedelik Tormikindlustus - torm, rahe, tormi tõttu ehitisele langenud puud või muud esemed; Üleujutuskindlustus - looduslik üleujutus Vandalismikindlustus - kolmanda isiku süüline tegevus ja maismaasõiduki otsasõit Varguskindlustus - ehitise välisosade vargusest tekkinud kahju Klaasikindlustus - klaaspindade purunemine ootamatu ja ettenägematu sündmuse tagajärjel Elektririkke kindlustus - hüvitatakse kindlustatud elektriseadmele tekkinud kahju, mille otseseks põhjuseks on elektrivoolu põhjustatud liig-, üle- või alapinge, lühis, elektririke Koguriskikindlustus - mis tahes ootamatu ja ettenägematu sündmuse tagajärjel kindlustatavale varale tekkinud kahju, mis ei ole kindlustustingimustega välistatud. Koguriskikindlustusega on kaetud ka hoone tehnosüsteemide sisemistest riketest tulenevad kahjud. KORTERIÜHISTU VASTUTUSKINDLUSTUS Korteriühistu vastutuskindlustus hüvitab kahju, mis on tekkinud korteriühistu vastutusalas, näiteks õnnetus liftis, koridoris või maja ümbruses. Vastutuskindlustus katab nii varalised kahjud, kui ka isikule kehavigastuse tekitamisest, tervise kahjustamisest tekkinud vajalikud ravikulud. Soovi korral on võimalik valida ka korteriühistu poolt korteriühistu liikmetele tekitatud kahju hüvitamine, näiteks korteriühistu vastutusalas oleva torustiku purunemisest tekkinud veekahju või tehnosüsteemidest alguse saanud tulekahju korteris paiknevale varale. ​ SAADA PÄRING

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