Kindlustavad

Kindlustavad is an Estonian verb form meaning “they insure” or “they guarantee.” It is the present tense, third-person plural form of the verb kindlustama. The core meaning covers providing insurance against loss or risk, as well as securing something or guaranteeing a result. In everyday language it can refer to obtaining insurance, offering coverage, or ensuring protection against various hazards.

Usage and nuance. The verb can be used in insurance contexts to describe actions by individuals, households, businesses, or institutions in acquiring or providing coverage for property, health, liability, or other risks. It also appears in broader contractual or risk-management language as a way to express guarantees or safety measures. The form typically takes a direct object in the accusative to indicate what is insured or secured; for example, “nad kindlustavad oma vara” (they insure their property).

Morphology and related terms. The infinitive is kindlustama; related nouns include kindlustus (insurance) and kindlustusmaakler (insurance broker). The root is associated with securing certainty or protection. Other present-tense forms include kindlustan, kindlustad, kindlustab, kindlustame, and kindlustate, corresponding to different subjects.