kindlustajad
Kindlustaja is the Estonian word for an insurer; kindlustajad refers to insurers in the plural. Insurers are legal entities that provide risk protection by issuing insurance contracts in exchange for premiums. They pool risk from many policyholders, enabling financial protection against events such as illness, property damage, or liability.
Kindlustajad assess risk, underwrite policies, set premiums, and manage policy administration, claims handling, and customer service.
Products fall into life and non-life (property and casualty) lines, with subcategories such as motor, home, health,
Regulation and supervision: Insurance companies operate under national regulation and EU directives. In Estonia, they are
Market structure and operations: Many kindlustajad distribute policies through agents, brokers, and online platforms. They participate