Why choose ERGO as your insurance partner?

Personal counselling – ERGO’s clients are served by experienced account managers who map the companies’ risk profiles and consult companies as regards their insurance needs. ERGO provides holistic solutions to businesses by insuring both their assets and employees. Our insurance services provide coverage for a wide range of incidents and ensure that any damages suffered in the course of business are compensated for. Should you so wish, the insurance coverage may be based on a specific need at a particular moment or on the area of operation of the company.

Innovative solutions: ERGO offers passenger vehicles and vans covered by motor hull insurance free ERGO Autoabi roadside assistance and a replacement vehicle with ERGO traffic insurance Liiklus+ service, which guarantees free towing anywhere in Europe should you get in a traffic accident. We are the only one in Estonia to offer travel insurance under which you do not need to have free money for tickets and accommodation in case of travel disruption.

Fast and flexible claims handling – ERGO proceeds from the needs of the client and processes damages in all counties, involving more than 80 cooperation partners across Estonia.

Valued partner of companies – in Estonia 140,000 clients have trusted ERGO with insuring their assets, life and health, including 20,000 companies, agencies and organisations. The ERGO Insurance Group is one of the largest in Europe, serving clients in more than 30 countries. 

ERGO Insurance Group

ERGO has been present in Estonia for more than 25 years. However, ERGO has through ERGO Insurance Group accumulated roughly 130 years of insurance experience. ERGO invokes the lengthy experience of its owners to help manage investments conservatively, so as to ensure sustainable operations and the satisfaction of clients’ claims.

ERGO companies in Estonia represent, via the ERGO Insurance Group, one of the most powerful financial groups in the world, Munich Re, which has been successfully operating since 1880. Munich Re’s clients include more than 4000 insurance companies in over 160 countries.

The owner of the ERGO group, Munich Re, is one of the leading risk carriers in the world, paying out more than EUR 30 billion each year to restore things to their previous state. Of this, the insurance companies of the ERGO Insurance Group pay roughly EUR 14 billion in compensation annually. In Estonia, ERGO reimburses more than 26,000 loss events per year, in the amount of EUR 28 million.

ERGO’s reliability is also confirmed with the assessments given by the rating agencies to the owner company and parent company of ERGO: Munich Re’s ratings are: Standard & Poor’s AA- (Very strong); Moody´s Aa3 (Excellent); Fitch AA (Very strong); A.M. Best A+ (Superior).

Rating agencies have approved the financial stability and security of the ERGO Insurance Group. Our ratings are: A (Standard & Poor's) and Aa- (Fitch).

The gross amount of Munich Re’s premiums is around EUR 48 billion per year, with the gross amount of premiums of ERGO’s parent company ERGO Insurance Group exceeding EUR 18 billion.

ERGO works with the world’s leading reinsurers. Through re-insurance ERGO manages its potential risks and ensures that compensation for large-scale damage is paid to its clients without any issues.

Looking forward to good cooperation!