Kindlustajaga

Kindlustajaga is a grammatical form in Estonian. It is the comitative form of the noun kindlustaja, meaning insurer, and is used to express “with the insurer” or “together with the insurer.” This form appears in sentences where the insurer participates in an action, agreement, or process.

In practice, kindlustajaga is common in insurance-related contexts. Examples include phrases such as “leping sõlmiti kindlustajaga” (the contract was concluded with the insurer) or “koostöö kindlustajaga” (cooperation with the insurer). The comitative form signals that the insurer is a party to the action or arrangement being described.

Grammatical notes: the form is created by adding the suffix -ga to the noun to indicate accompaniment or joint action. Kindlustajaga is not a separate lexical item; it is one of Estonian’s grammatical case forms of kindlustaja. Its use is typical in formal or legal texts, such as contracts, claims processes, and official communications, where the involvement of the insurer needs to be stated explicitly.

Usage considerations: use kindlustajaga when the insurer is a participant in the described action. If the sentence does not require specifying a participant or if the insurer is mentioned in another role, the nominative form kindlustaja or other constructions may be more appropriate.