A selection of pages on this site that deal with "Crime and fidelity".
- About: Dr Olavi-Jüri Luik, insurance lawyer in Estonia: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law at WIDEN, Tallinn: coverage, claims, D&O, cyber and crime insurance.
- Avoiding coverage gaps in a cyber, crime and D&O programme: Coordinating policies, harmonising definitions, the roles of broker and lawyer, documentation and a model coverage matrix to avoid gaps.
- Crime and fidelity claims and investigations in Estonia: Crime and fidelity claims in Estonia: payment and CEO fraud, employee theft, coverage analysis, internal investigations, tracing.
- Crime and fidelity claims in Estonia: payment and employee fraud: Invoice fraud, CEO fraud, social engineering and employee theft under Estonian law: bank liability for payments, recovery.
- Crime insurance court cases: direct loss and computer fraud: International crime insurance case law: direct loss, computer fraud vs social engineering, sub-limits, client property and employee intent.
- Crime insurance in Estonia: real cover or an illusion?: Luik and Alamets, Äripäev 18 Aug 2026: crime insurance can cover fraud and embezzlement losses, but cover depends on wording and management diligence.
- Crime insurance schemes: employee fraud and invoice fraud: Insurers' published crime claims examples and fraud schemes common in Estonia: fictitious vendors, embezzlement, invoice fraud and CEO fraud.
- Cyber, crime and D&O insurance case studies: International coverage disputes, insurers' published claims examples and public Baltic incidents in cyber, crime and D&O insurance.
- Cyber, crime and D&O insurance: interplay and boundaries: Which policy covers which loss, where the grey areas lie and how a loss can fall between cyber, crime and D&O policies under Estonian law.
- D&O, cyber, crime, liability and war-risk claims in Estonia: Counsel for insurers writing D&O, liability, crime, cyber and war risks into Estonia and the Baltics: investigations, representation, expert opinions.
- Insurance counsel: Estonia, Latvia, Lithuania | Olavi-Jüri Luik: Estonian, Latvian and Lithuanian insurance law counsel for insurers, reinsurers and MGAs; also open to Lloyd's: coverage, claims, subrogation, D&O, cyber.
- Integrated insurance programmes: limits, layers and overlaps: An integrated programme: primary and excess layers, per-claim and aggregate limits, sub-limits, overlaps and the wrong clause in the wrong place.
- Investigations and expert opinions for insurers in Estonia: Fact-finding for insurers in Estonia (fraud, cyber, D&O, fire cause and origin) and expert opinions on Estonian law for foreign courts and tribunals.
- Modern risk landscape: cyber, fraud and management liability: Why property and liability cover no longer suffices in Estonia: digital dependence, social engineering fraud, NIS2 and board liability.
- One click, cash and revenue gone: cyber insurance for businesses: Ransomware, business interruption and data breaches: what cyber insurance covers, why property policies are no substitute and what to check in Estonia.
- Services for insurers, reinsurers, MGAs, brokers and TPAs: Local and panel counsel in Estonia: coverage opinions, claims support, reservation of rights, subrogation, litigation, breach coach, D&O, crime.
- Typical coverage disputes in cyber, crime and D&O insurance: Direct and indirect loss, the notion of fraud, duties of care, intent as a narrow exclusion and pre-contractual disclosure under Estonian law.