Kindlustusmaakler

Kindlustusmaakler is the Estonian term for an insurance broker. An insurance broker is an independent professional who acts as an intermediary between individuals or businesses seeking insurance and various insurance companies. Their primary role is to help clients find the most suitable insurance policies to meet their specific needs and financial circumstances.

Unlike insurance agents who typically represent a single insurance company, kindlustusmaakler represents the client. They analyze the client's risks, research policies from multiple insurers, and then recommend options that offer the best coverage and price. This independent perspective allows them to offer objective advice.

The services provided by a kindlustusmaakler can include assessing insurance needs, comparing quotes from different providers, explaining policy terms and conditions, assisting with the application process, and helping with claims management. They are compensated through commissions paid by the insurance companies whose policies are sold, or sometimes through direct fees from the client, depending on the agreement. Their expertise can be particularly valuable for complex insurance needs or for businesses.