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”
Grammatical notes: the form is created by adding the suffix -ga to the noun to indicate accompaniment
Usage considerations: use kindlustajaga when the insurer is a participant in the described action. If the sentence