kindlustusandjatel
Kindlustusandjatel is the Estonian term used for insurers—legal entities that provide insurance policies and assume financial risk on behalf of policyholders. They offer coverage across areas such as life, health, property and casualty, motor, and liability insurance. Their core function is to enable risk transfer by insuring against defined perils and losses, in exchange for premiums.
Key activities of kindlustusandjatel include underwriting, risk assessment, pricing, issuing and administration of policies, and handling
Structure and distribution of the market vary. Kindlustusandjatel may operate directly with customers, or work through
Regulation and oversight are central to the activities of kindlustusandjatel. In Estonia and the European Union,
Market context and consumer considerations: the insurance market operates within the EU internal market, supporting cross-border