A selection of pages on this site that deal with "Indemnity".
- Blog: Estonian insurance law insights: Blog by Estonian attorney Dr Olavi-Jüri Luik: insurance law developments, Supreme Court practice and analysis for insurers, MGAs and brokers.
- CAR/EAR and construction insurance claims in Estonia: Contractors' and erection all risks claims in Estonia: insured parties, defects and LEG clauses, contractor liability, time limits, recovery and disputes.
- Codification of Insurance Contract Law in Europe and Estonia: German and Swiss VVG 1908, Nordic acts, French law, Marine Insurance Act 1906, VVG reform 2008, Insurance Act 2015.
- 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.
- Cross-border payments, crypto-assets and jurisdiction: Cross-border fraud payments, crypto-assets and sanctions, multi-jurisdiction disputes and international programmes for Estonian insureds.
- Estonian FSA guidelines for insurers and insurance brokers: Finantsinspektsioon advisory guidelines and letters on insurance distribution, complaints, claims handling, IT, AML and governance, with links and dates.
- Estonian Supreme Court: insurable value and indemnity: Estonian Supreme Court (Riigikohus) case law on insurable value, under- and overinsurance and calculating the indemnity, in English.
- Estonian Supreme Court: notification, proof and due date: Estonian Supreme Court (Riigikohus) case law on the insured event, notification, proof and when the indemnity falls due, in English.
- Estonian Supreme Court: procedure in insurance disputes: Estonian Supreme Court (Riigikohus) insurance case law: procedural issues in insurance disputes. Summaries in English with links.
- Estonian Supreme Court: safety obligations and proportionality: Estonian Supreme Court (Riigikohus) on safety requirements, duties of care and proportionality: English summaries with links.
- Estonian insurance contract law: overview for foreign insurers: The insurance chapter of the Estonian Law of Obligations Act explained: disclosure, premium, risk aggravation, obligations, notification, subrogation.
- Glossary of Estonian insurance law terms (English–Estonian): Over 100 Estonian insurance law terms with English equivalents and explanations: policyholder, withdrawal, cancellation, subrogation, insured event.
- Insurable interest, insurable value and sums insured in Estonia: Indemnity principle, insurable interest, insurable value, agreed value and reinstatement cost under VÕS §§ 476–480, with Supreme Court case law.
- Insurance law principles and theories: Eight principles of insurance law and 47 theories from foreign law and economics: country of origin, content, limits and relation to Estonian law.
- 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.
- International case law: business interruption and pandemic: 6 decisions of foreign courts on business interruption and pandemic: summaries, paragraphs and links.
- International case law: construction and property insurance: 12 decisions of foreign courts on construction and property insurance: summaries, paragraphs and links.
- International case law: liability insurance and defence costs: 17 decisions of foreign courts on liability insurance and defence costs: summaries, paragraphs and links.
- International case law: personal insurance and insurable interest: 10 decisions of foreign courts on personal insurance and insurable interest: summaries, paragraphs and links.
- Liability insurance and direct action in Estonia (VÕS §§ 510–525): Estonian liability insurance rules: insured event, defence costs outside limits, notice within one week, consent to settle, injured party's rights.
- Limitation periods for insurance claims in Estonia: Insurance claim limitation in Estonia: VÕS § 475 three-year period, suspension on notice, ten-year cap, one-year period to sue.
- Major fire and property losses in Estonia: counsel for insurers: Major fire losses under Estonian law for insurers: cause and origin, safety obligations, under-insurance, business interruption, settlement, recovery.
- Notification and post-loss duties under Estonian insurance law: Notice of loss, cooperation, information requests, mitigation, expert determination and the due date of the indemnity under VÕS §§ 448–451 and 488–491.
- Presenting a cyber, crime or D&O claim: documents and evidence: Evidence-based cyber, crime and D&O claims under Estonian law: documents, loss calculation, experts, advance payment and typical mistakes.
- Professional indemnity for Estonian lawyers and notaries: Compulsory PI for Estonian advocates, notaries, trustees and bailiffs: trigger, intentional loss, minimum limits and the 2025 Supreme Court ruling.
- Professional indemnity insurance and claims in Estonia: PI insurance in Estonia: compulsory cover for advocates and other professions, liability standards, claims-made triggers, defence costs, direct claims.
- Research article: PI insurance for the legal professions: Luik and Haavasalu, Juridica 2022/7: compulsory liability insurance for Estonian advocates, notaries, trustees in bankruptcy and bailiffs.
- Research article: the modern model of indemnity insurance (2020): Kratenko and Luik, Perm University Herald 2020: the modern indemnity insurance model and prospects for transposing it in comparative law.
- Subrogation under Estonian insurance law (VÕS § 492): Statutory transfer of the insured's claim to the insurer under VÕS § 492: scope, waivers, family privilege, limitation.
- Supreme Court of Estonia: insurance law case law 2001-2026: Map of Estonian Supreme Court (Riigikohus) insurance decisions 2001-2026 by topic, with English summaries and links to the judgments.
- Surety and credit insurance in Estonia: a guide for insurers: Surety bonds and trade credit insurance under Estonian law: licensing, VÕS § 427(2)5 freedom of contract, guarantee vs suretyship, beneficiary claims.