Business insurance is one of the simplest ways to protect your company against the unexpected, whether it is a traffic accident, water damage in the office, goods missing from the warehouse or a claim made by a client. With micro and small businesses in mind, we have gathered here the most common types of insurance that bring real, practical value to a company operating in Estonia. For a small business, a single bigger loss can mean months of lost income and unexpected costs, so it pays to think your protection through before you need it. The right insurance is not just a cost: it is the confidence that even on the worst day, your company can open its doors again.
Choose a suitable type of business insurance below, read the longer explanation and fill in the inquiry form. Anna-Liisa, who advises entrepreneurs on insurance matters as a partner of NB Kindlustusmaakler, an Estonian insurance brokerage, will contact you shortly and find you the best offer from the insurers operating in Estonia. Under Estonian law, an insurance broker represents you, not the insurance company, so the comparison and recommendation you receive are based on your interests. The service is completely free for you, because the broker’s fee is paid by the insurer. Please note: these services are meant for companies registered in Estonia and for vehicles and property located or registered here. Start simply: pick the right insurance type below and fill in the form, and we will take care of the rest. Read more about what an insurance broker is and how they help you →
Vehicle insurance (CASCO and MTPL)
Protect your company’s cars, vans and machinery against traffic accidents, theft and vandalism:
- Motor third party liability insurance (MTPL, mandatory in Estonia) and CASCO (voluntary, but usually required for leased vehicles)
- Cover against traffic accidents, fire, vandalism and natural disasters
- Choose between standard and premium CASCO (different levels of cover and deductible)
- Also suitable for vans, trucks and machinery that your company relies on every day
Company vehicles usually cover far more kilometres and carry a heavier workload than private cars. CASCO helps make sure that one accident does not knock your company’s cash flow off its feet.
Read more and send an inquiry →
Property insurance
Protect your office, shop, warehouse or other business premises and the property inside them:
- Buildings, business premises and rented spaces
- Furnishings, equipment, technology and furniture
- Goods, raw materials and finished products in storage
- Cover against fire, pipe leakage, burglary, vandalism, storm and flooding
Suitable for property owners as well as tenants of premises located in Estonia. You can insure both the building and its contents, whether it is a home office, a shop, a workshop or a warehouse.
Read more and send an inquiry →
Business liability insurance
Protect yourself in situations where your company’s activities accidentally cause damage to someone else:
- Damage to the property of a client or a third party (e.g. a water leak into neighbouring premises, a broken item)
- Personal injury of a client or a bystander caused by your activities
- Legal, expert and court costs, even if the claim later turns out to be unfounded
- Especially important for service providers, construction and repair work, and businesses working at client sites
Even a small mistake (a leaking pipe during repair work or a client’s product accidentally broken) can mean thousands of euros in claims. Liability insurance covers those costs instead of you. The form follows the insurers’ own questionnaire, so if you already have a completed application, you can attach it as well.
Read more and send an inquiry →
Other business insurance
All the other types of insurance that help your company manage its risks:
- Business interruption insurance: compensates lost income and fixed costs when operations have to stop because of a loss event
- Cyber insurance: protection against data leaks, fraud and hacker attacks
- Cargo insurance: protection of goods during transport
- Professional indemnity, product liability and other industry-specific insurance solutions
If a risk that matters to your company does not fit the types listed above, describe it in more detail in the form. We will help you find a suitable solution even for less common needs.
Read more and send an inquiry →
If you would like a deeper overview of how insurance contracts work in Estonia, the website of the Estonian Insurance Association is a good place to start (mainly in Estonian).
Did some insurance type remain unclear, or can’t you find a suitable category? Write to us and we will review your needs and recommend the best solution.