Kahjuliigid

Kahjuliigid is an Estonian term used to denote the categories of damage that can result from an incident, accident, or wrongdoing. In risk assessment, insurance, law, and safety management, identifying the type of harm helps determine liability, compensation, and appropriate mitigation measures. The concept is applied across many fields to ensure clear categorization of harms and to guide response and remediation.

Common damage types include bodily harm (injury or illness to people, including medical costs and potential long-term consequences), property damage (loss or destruction of physical assets such as buildings or vehicles), and financial or economic loss (income disruption, replacement costs, or other monetary damages). Additional categories cover data and information damage (loss, theft, or compromise of data and IT systems), environmental damage (pollution or ecological harm), and intangible or reputational harm (emotional distress, loss of trust, or damage to reputation). In some frameworks, operational disruption or business interruption is treated as a separate category, reflecting the impact on continuity of activities.

In practice, kahjuliigid are not mutually exclusive; a single incident can involve multiple damage types. Assessment focuses on documenting extent, causation, and the value of losses for purposes such as insurance claims, compensation schemes, liability decisions, and safety improvements. Understanding the distribution of damage types supports risk management, regulatory compliance, and informed decision-making for all stakeholders.