General Liability Insurance in Estonia

General liability not only offers the policyholder or managing director insurance coverage, but also extends to:

• salaried employees, volunteers and interns, working students
• employees of temporary employment agencies integrated into the company
• and freelancers*.

* Freelance workers = natural persons integrated into the policyholder's business, provided that they work in the name and on behalf of the policyholder.

Note: The general liability premium is independent of the company form (freelancer, SE, LP, Ltd.).

Awarding Contracts to Subcontractors
Insurance coverage is provided if you use subcontractors for certain activities and projects.

Freelancers and self-employed are mostly not only active in their own country and in their own offices. You often also work on-site at the principal’s premises - be it across the country or internationally. For this reason, exali.com's insurance coverage applies worldwide, so that you and, if applicable, your employees are insured anywhere in the world and can work with peace of mind.

For the USA there an exemption is made in most industries:

For personal injuries, property damage and the resulting financial loss asserted in US courts or based on a violation of US law, insurance coverage is only provided in the following cases:

• When participating in or carrying out business trips
• When participating in trade fairs, exhibitions or events
• For indirect exports of products or services to the USA (an indirect export occurs when products or services have reached the USA without the policyholder or co-insured persons having initiated this)

The premium for general liability can be calculated individually directly on the exali.com website with a few clicks. The following factors are essentially decisive:

• Areas of activity
• Annual net sales over the last 12 months
• Whether you are a business founder or a startup company
• Selected sum insured for the general liability insurance
• Contract term: 1 year or 3 years

Note: The legal company name and form (freelancer, self-employed, LP, SE or Ltd.) does not play a role concerning the insurance premium.

As a reference: The entry fee for a start-up, for example in the IT, media, or consulting industry is around 46 euros net per year plus insurance tax.

In most professional groups, the amount covered / sum insured is not specified by law. In our online plan for freelancers, the self-employed and small businesses, we offer a lump insured sum for personal injuries, property damage and consequential losses between  2.000.000 euros and 10.000.000 euros per insured event.

Since the amount of possible damage is difficult to predict, it is difficult to make a final recommendation for a certain amount covered/ insured sum. Since the premium difference between the smallest and the largest variant is not that significant, we recommend a higher sum insured (e.g. 3.000.000 euros or 5.000.000 euros ) if you are unsure.

At exali.com, we are committed to comprehensive and transparent insurance coverage. That is why we communicate all exclusions clearly and precisely; with no hidden clauses or ‘fine print’.

Limits to blanket coverage for your profession: General liability offers very comprehensive protection for operational risks based on statutory, public and contractual liability. All activities in your industry are covered. Only carried-out activities that are completely unrelated to your field are excluded. Example: As an advertising agency, everything from web design to SEO and SEA to all activities in the web environment is insured. If you operate a furniture trade business at the same time, the furniture business's general and personal liability would not be insured.

Intent: As is customary in indemnity insurance and other commercial insurance areas, wilfulness - that is, knowingly and wilfully harming a third party - is not insured. Note: Minor and gross negligence is covered.

Sum insured: If the actual damage is above the agreed sum insured, liability will only cover the insured amount. You should therefore not make any compromises when choosing the sum insured.

You can terminate the general liability insurance by observing the notice period of one month. exali.com offers a minimum term of one year or three years (with a 10 percent discount). If the contract is not terminated in due time, it is automatically extended for a further insurance year.

However, there is a special right of termination in the following cases:

• Increase in premium without adjusting the benefits (adjustments due to the increase in sales or discontinuation of the business start-up discount are not included)
• Loss of activity (e.g. freelancer switches to a full employment position)
• After processing a damage event

If premiums have been overpaid, they will be reimbursed proportionally.

The General Liability Insurance also protects you legally against the consequences of possible claims for compensation, in that the insurer checks at its own expense whether a claim is justified in terms of reason or amount. If this is not the case, general liability insurance covers the costs (e.g. lawyer, expert and court attendance expenses) of defending against this claim, like a legal expenses insurance in the private realm. Therefore, this service component is also referred to as passive legal expenses insurance in the context of general liability.