{"id":3380,"date":"2025-04-05T21:12:02","date_gmt":"2025-04-05T21:12:02","guid":{"rendered":"https:\/\/kominsur.colparad.com\/ettevotte-varakindlustus\/"},"modified":"2025-11-27T16:31:59","modified_gmt":"2025-11-27T16:31:59","slug":"ettevotte-varakindlustus","status":"publish","type":"page","link":"https:\/\/kominsur.ee\/en\/ettevotte-varakindlustus\/","title":{"rendered":"Property insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3380\" class=\"elementor elementor-3380 elementor-1764\" 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\">Property 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\"><p>Business property insurance is an integral part of doing business, whether in a modest office space or a huge factory. When a business&#8217;s assets are used as collateral for a loan, banks or other financial institutions have made property insurance a precondition. <\/p><p>Business property insurance can be used to protect the following: a building or parts of a building, production premises, facilities, warehouses, sheds and level crossings. If a company rents office space, for example, furnishings can be insured. <\/p><p>The insured value corresponds to the replacement value of the insured object, which in turn depends on the condition and technical characteristics of the object. The insurance cover can range from a minimum package (fire risk) to a comprehensive cover, including additional risks. In addition to immovable property, furniture, office equipment, fixtures and fittings, raw materials, goods, etc. may also be covered by the policy. In this case, the insured value is determined on the basis of a list of fixed assets of the business drawn up by accountants or on the basis of a list of insurable assets which becomes part of the policy.   <\/p><p>You can also insure the goods in your warehouse with business property insurance. Both the owner of the goods and the owner of the warehouse can be insured. As the quantity of goods in the warehouse is constantly changing, the insurable value is determined on the basis of either the maximum or the average quantity of goods.  <\/p><\/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-85cd809\" data-id=\"85cd809\" 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>Property insurance Business property insurance is an integral part of doing business, whether in a modest office space or a huge factory. When a business&#8217;s assets are used as collateral for a loan, banks or other financial institutions have made property insurance a precondition. Business property insurance can be used to protect the following: a [&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-3380","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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