{"id":3378,"date":"2025-04-05T21:17:11","date_gmt":"2025-04-05T21:17:11","guid":{"rendered":"https:\/\/kominsur.colparad.com\/vastutuskindlustus\/"},"modified":"2025-11-21T11:44:22","modified_gmt":"2025-11-21T11:44:22","slug":"vastutuskindlustus","status":"publish","type":"page","link":"https:\/\/kominsur.ee\/en\/vastutuskindlustus\/","title":{"rendered":"Liability insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3378\" class=\"elementor elementor-3378 elementor-1771\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25b7d045 ct-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25b7d045\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-459a500f elementor-hidden-tablet elementor-hidden-phone\" data-id=\"459a500f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be2bb06 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be2bb06\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-bbbd296\" data-id=\"bbbd296\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5390f20 elementor-nav-menu__align-start sticky-menu elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"5390f20\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-background e--animation-sweep-right\">\n\t\t\t\t<ul id=\"menu-1-5390f20\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4559\"><a href=\"https:\/\/kominsur.ee\/en\/ariklient\/\" class=\"elementor-item\">Business client<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4560\"><a href=\"https:\/\/kominsur.ee\/en\/ettevotte-varakindlustus\/\" class=\"elementor-item\">Property insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4561\"><a href=\"https:\/\/kominsur.ee\/en\/vastutuskindlustus\/\" class=\"elementor-item\">Liability insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4562\"><a href=\"https:\/\/kominsur.ee\/en\/transpordikindlustus\/\" class=\"elementor-item\">Transport insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4563\"><a href=\"https:\/\/kominsur.ee\/en\/veosekindlustus\/\" class=\"elementor-item\">Cargo insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4569\"><a href=\"https:\/\/kominsur.ee\/en\/cmr-ja-ekspedeerija-vastutuskindlustus\/\" class=\"elementor-item\">Carriers and Freight Forwarders liability<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4570\"><a href=\"https:\/\/kominsur.ee\/en\/personalikindlustus\/\" class=\"elementor-item\">Employee Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4571\"><a href=\"https:\/\/kominsur.ee\/en\/ehituskindlustus\/\" class=\"elementor-item\">Construction All Risks Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4572\"><a href=\"https:\/\/kominsur.ee\/en\/korteriuhistu-kindlustus\/\" class=\"elementor-item\">Housing Association Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4573\"><a href=\"https:\/\/kominsur.ee\/en\/finants-ja-garantiikindlustus\/\" class=\"elementor-item\">Financial and guarantee insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-5390f20\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4559\"><a href=\"https:\/\/kominsur.ee\/en\/ariklient\/\" class=\"elementor-item\" tabindex=\"-1\">Business client<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4560\"><a href=\"https:\/\/kominsur.ee\/en\/ettevotte-varakindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Property insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4561\"><a href=\"https:\/\/kominsur.ee\/en\/vastutuskindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Liability insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4562\"><a href=\"https:\/\/kominsur.ee\/en\/transpordikindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Transport insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4563\"><a href=\"https:\/\/kominsur.ee\/en\/veosekindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Cargo insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4569\"><a href=\"https:\/\/kominsur.ee\/en\/cmr-ja-ekspedeerija-vastutuskindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Carriers and Freight Forwarders liability<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4570\"><a href=\"https:\/\/kominsur.ee\/en\/personalikindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Employee Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4571\"><a href=\"https:\/\/kominsur.ee\/en\/ehituskindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Construction All Risks Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4572\"><a href=\"https:\/\/kominsur.ee\/en\/korteriuhistu-kindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Housing Association Insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4573\"><a href=\"https:\/\/kominsur.ee\/en\/finants-ja-garantiikindlustus\/\" class=\"elementor-item\" tabindex=\"-1\">Financial and guarantee insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-236ba80\" data-id=\"236ba80\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1550d7f elementor-widget elementor-widget-heading\" data-id=\"1550d7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Liability insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b5197b elementor-widget elementor-widget-text-editor\" data-id=\"8b5197b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"t005A__descr t-descr t-descr_xs t-opacity_50\"><div class=\"t005A__descr t-descr t-descr_xs t-opacity_50\"><div class=\"t005A__descr t-descr t-descr_xs t-opacity_50\"><p>Liability insurance protects the insured against damage to property or health caused to third parties.<\/p><p>Sometimes the damage caused can amount to considerable sums and, without insurance, can cause significant financial loss to the company. Regardless of the sector in which the insured person operates, there is always a risk of damage to third parties. <\/p><ul><li>Product liability insurance covers damage to third parties caused by a product.<\/li><li>Employer&#8217;s liability insurance covers the employer&#8217;s liability in the event of injury to a worker. Occupational diseases can also be included under this cover. <\/li><li>Liability of the railway owner &#8211; According to the amendment to the Railways Act (27.01.2010), all railway owners must have a liability insurance policy. This policy covers potential damage to third party property (including private persons) and environmental pollution. <\/li><li>Comprehensive insurance &#8211; The insurer undertakes to compensate the insured for damage caused by him\/her to the property or health of third parties. In the case of professional activities, the damage may arise as a result of the insured person&#8217;s business activities. <\/li><li>Compulsory professional liability insurance (bailiff, notary, auditor) &#8211; Lawyers, notaries, auditors, etc. may be at greater risk than other professions and are required by law to have liability insurance.<\/li><li>Event organiser&#8217;s insurance &#8211; Compensates third parties for personal injury and damage to property when organising a public event.<\/li><li>Liability of tenant or lessee &#8211; Liability of the tenant to the lessee or vice versa. The policy covers damage to property and health, compensation for medical expenses, loss of income due to temporary or permanent incapacity and funeral expenses. <\/li><\/ul><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3a9bc87\" data-id=\"3a9bc87\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Liability insurance Liability insurance protects the insured against damage to property or health caused to third parties. Sometimes the damage caused can amount to considerable sums and, without insurance, can cause significant financial loss to the company. Regardless of the sector in which the insured person operates, there is always a risk of damage to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3378","page","type-page","status-publish","hentry"],"blocksy_meta":{"page_title_panel":"","has_hero_section":"disabled","0df2dca53447789c9966a9ee2482ae8e":"","hero_section":"type-1","hero_elements":[{"id":"custom_title","enabled":true,"heading_tag":"h1","title":"Home"},{"id":"custom_description","enabled":true,"description_visibility":{"desktop":true,"tablet":true,"mobile":false}},{"id":"custom_meta","enabled":false,"meta_elements":[{"id":"author","enabled":true,"label":"By","has_author_avatar":"yes","avatar_size":25},{"id":"post_date","enabled":true,"label":"On","date_format_source":"default","date_format":"M j, 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