kindlustatavad

Kindlustatavad is Estonian an adjective meaning insurable, i.e., able to be covered by an insurance policy. It is formed from the verb kindlustama (to insure) with the suffix -atav, giving the present participle kindlustatav, with the plural form kindlustatavad when used with plural nouns. The term is commonly used attributively to indicate items, risks, or events that can be insured.

In practice, kindlustatavad appears in insurance vocabulary, contracts, and risk assessments. It designates what an insurer is willing to cover under the terms of a policy, based on underwriting, value, and risk evaluation. The scope of insurability depends on policy provisions, legal framework, and the risk being insured; not every asset or liability is automatically insurable, and exclusions may apply.

Common collocations include kindlustatavad esemed (insurable items), kindlustatavate riskide hindamine (assessment of insurable risks), and various references within kindlustuslepingud (insurance contracts) describing what is and is not kindlustatav. The term helps to differentiate between items or risks that can be insured under a given policy and those that fall outside coverage.

Etymology notes: kindlustatavad derives from kindlustama and the -atav suffix that forms adjectives indicating potential or admissible characteristics. Related terms in Estonian insurance vocabulary include kindlustus (insurance) and kindlustusleping (insurance contract). The concept is central to underwriting and risk management in Estonian insurance practice.