A selection of pages on this site that deal with "Liability insurance".
- AI risk insurance in Estonia: silent and affirmative cover: How PI, product liability, cyber, crime, D&O and property wordings respond to AI losses under Estonian law; AI exclusions and EU dates.
- CJEU: vehicles and use of vehicles in motor insurance: 10 judgments of the Court of Justice of the EU on vehicles and use of vehicles in motor insurance: summaries, paragraphs and links.
- Choice of law and jurisdiction for insurance contracts in Estonia: Rome I art 7 and Brussels I bis Section 3 applied to Estonian risks: large and mass risks, location of risk, compulsory insurance, jurisdiction clauses.
- Claims handling practice in Estonia: a guide for TPAs: Practical guide for TPAs and claims handlers on Estonian files: timelines, documents, language, loss adjusters, interest, payments, data protection.
- Cyber insurance cases: NotPetya, data breaches, ransomware: International cyber insurance cases and insurers' claims examples: war exclusion, property and liability cover, supply chain, card brand fees.
- D&O claims in Estonia: director liability and insurance: Liability of Estonian management and supervisory board members, creditors' and trustees' claims, insolvency duties, limitation.
- Direct action against liability insurers in Estonia: When can an injured party sue an Estonian or foreign liability insurer directly? VÕS §§ 517–525, motor insurance, Rome II art 18.
- Enforcing judgments and recovering debts in Estonia: Enforcement in Estonia for insurers: EU judgments without exequatur, arbitral awards, bailiffs, interim measures, asset searches.
- Estonian Insurance Law in the EU Era and Motor Insurance History: VÕS 2002, EU accession, Solvency II and the 2015 Insurance Activities Act, the IDD, four Motor Insurance Acts.
- Estonian Supreme Court: liability insurance and direct claims: Estonian Supreme Court (Riigikohus) on liability insurance and the injured party's direct claim: English summaries with links.
- Estonian Supreme Court: motor third-party liability (MTPL): Estonian Supreme Court (Riigikohus) insurance case law: compulsory motor third-party liability insurance. Summaries in English 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.
- Estonian insurance law FAQ for insurers, brokers and TPAs: Answers to frequent questions on Estonian insurance law: applicable law, mandatory rules, disclosure, warranties, notice, declinations, limitation.
- Estonian insurance law update: Q4 2025: Estonian insurance regulation in Q4 2025: three draft laws launched, a KindlTS netting amendment, FI guidelines and a Supreme Court ruling.
- Estonian insurance regulations: reporting, motor, patient, vaccine: Government and ministerial regulations under Estonian insurance statutes: FSA reporting, motor register and rates, patient insurance, vaccine insurance.
- Estonian insurance statutes: VÕS, KindlTS, LKindlS and more: Estonian statutes relevant to insurers and brokers, section by section: contract law, insurance activities, motor and patient insurance, compulsory PI covers.
- General, professional and product liability claims in Estonia: Liability claims in Estonia for insurers: general, professional and product liability, direct claims under VÕS §§ 517 and 521, defence and coverage roles.
- 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.
- Insolvency of a policyholder or tortfeasor in Estonia: What happens to insurance when a policyholder, insured or tortfeasor goes bankrupt in Estonia: claims filing, injured party priority, cancellation, D&O.
- 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.
- 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.
- Insurance organisations in Estonia and internationally: Insurance organisations in Estonia and abroad: Financial Supervision Authority, Traffic Insurance Fund, insurers and brokers associations, EIOPA, AIDA.
- International case law: liability insurance and defence costs: 17 decisions of foreign courts on liability insurance and defence costs: 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.
- 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.
- 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.
- Patient insurance and dental care in Estonia: do prices rise?: Does Estonia's compulsory liability insurance for healthcare providers raise dental prices? Risk-based pricing and the effect of TOKVS.
- Patient insurance in Estonia (TOKVS): guide for insurers: Compulsory liability insurance of healthcare providers in Estonia under TOKVS: insured event, sums insured, exclusions, claims procedure, conciliation.
- Patient insurance in Estonia: the first year of TOKVS: Estonia's compulsory liability insurance for healthcare providers (TOKVS): structure, limits, conciliation committee and lessons from the first year.
- Product liability and insurance in Estonia (new EU directive): Product liability in Estonia under VÕS §§ 1061–1067, the EUR 500 threshold, defences, time limits, the new Product Liability Directive 2024/2853.
- 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.
- Property insurance in Estonia: five often overlooked nuances: Underinsurance, fire safety, care during the policy period and liability cover: five issues that decide property claims under Estonian law.
- Publications: Publications of Dr Olavi-Jüri Luik on insurance law, liability and artificial intelligence: books, commentaries and articles, from ETIS.
- 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: compulsory professional liability insurance: Kratenko and Luik 2020: theoretical and practical problems of compulsory professional liability insurance in a comparative Estonian perspective.
- Research article: direct claims in voluntary liability insurance: Luik and Lahe, University of Latvia Press 2024: giving third parties a direct claim against liability insurers by contract or by assignment.
- Reservation of rights and declination letters under Estonian law: Claims handling support in Estonia: reservation of rights, declination letters, deadlines and the one-year warning under VÕS § 475.
- Subrogation and recovery services in Estonia for insurers: Recovery for insurers in Estonia: subrogated claims against tortfeasors, carriers, contractors and liability insurers; enforcement.
- 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.
- Vaccine injury insurance in Estonia: why a public no-fault scheme: How Estonia compensates vaccine injuries: product liability vs liability insurance vs public no-fault insurance. Medicinal Products Act Chapter 5¹ in 2026.