Insurance materials for our corporate clients

Comprehensive motor vehicle insurance for corporate customers (pdf in Finnish)Repairer comprehensive motor vehicle insurance for enterprises engaged in repair and servicing (pdf in Finnish)Motor liability insurance for corporate customers (pdf)Group motor liability insurance, and Comprehensive motor vehicle insurance for car dealerships (pdf)

Rahasto-Omaeläke (pdf in Finnish)TOP group pension insurance (pdf in Finnish)TyEL insuranceYEL insurance

ES1 Property Insurance (pdf) Applied to new policies and to renewed insurance policies on or after 1 January 2023.ES1 Terms and Conditions for Property Insurance and Safety Guidelines (2021) (pdf). Applied to policies other than the above.ES3 Buy-to-let insurance (Apartment cover) (pdf in Finnish)904 Construction and erection, fixed-term (pdf)905 Construction and erection, continuous (pdf)921 Insolvency (pdf in Finnish)EETT Exclusion: Communicable deseases (pdf)

Medical expenses insurance (pdf)Working capacity insurance Group insurance (new) (pdf) Applied to policies starting on or after 1 June 2017Working capacity insurance (pdf) Individual decision based on health declarationWorking Capacity Insurance Arvo (pdf)Working Capacity Insurance Loisto (pdf)Working capacity insurance Group insurance (old) (pdf) Applied to policies starting before 1 June 2017Working capacity insurance for self-employed persons and small enterprises (pdf in Finnish)Corporate Cover (pdf)

KE1 Interruption insurance (pdf) Applied to new policies and to renewed insurance policies on or after 1 January 2025. KE1 Interruption insurance (pdf) Applied to policies other than the above. KE2 Disability business interruption insurance (pdf)KE3 Rental income interruption (pdf)KE4 Contingency business interruption (pdf in Finnish)KE7 Market garden business interruption (pdf in Finnish)

Full value insurance for buildings 901 (pdf in Finnish)Real estate insurance 5600

AT2 Stevedoring and terminal liability insurance terms and conditions (pdf in Finnish)AU2 Car transport insurance (pdf in Finnish)ED1 Agent’s transport insurance terms and conditions (pdf in Finnish)HU3 Freight forwarder’s liability insurance (pdf in Finnish)HU4 Freight forwarder’s liability insurance (1.1.2016) (pdf)I03 War Risk Cancellation Clause (Cargo) (pdf)M10 Cargo insurance for private customers (pdf in Finnish)M12 Cargo insurance thermo clause (pdf in Finnish)M16 War and Strike Risk Insurance (Cargo) (pdf)N03 Exhibition Risk Insurance (pdf)S03 General terms and conditions for cargo insurance Finland 1.1.2012 (pdf)S08 Insurance procedure for cargo insurance contracts (pdf in Finnish)S10 General terms of contract of cargo insurance 1.1.2012 (pdf)SL1 War and Strike Risk Insurance Conditions (Cargo) (pdf)T03 Cargo insurance Finland (pdf)T10 Cargo insurance (pdf)TC3 Road transport liability insurance (pdf)5400/02 Car transport insurance (pdf in Finnish)5410/02 Cargo insurance (pdf in Finnish)90 General terms and conditions for private customers (pdf in Finnish)

Cargo ISM Endorsement (pdf in english)Cargo ISPS Endorsement (pdf in english)Cargo ISPS Forwarding Charges Clause (pdf in english)Five Powers War Clause JC2023-024 (pdf in English)Institute Cargo Clauses (A) (pdf in english)Institute Cargo Clauses (Air) (pdf in english)Institute Cargo Clauses (B) (pdf in english)Institute Cargo Clauses (C) (pdf in english)Institute Classification Clause 1.1.2001 (pdf in english)Institute Cyber Attack Exclusion Clause (pdf in english)Institute Radioactive Contamination, Chemical, Biological... (pdf in english)Institute Strikes Clauses (Air Cargo) (pdf in english)Institute Strikes Clauses (Cargo) (pdf in english)Institute Strikes Clauses (Timber Trade Federation) (pdf in english)Institute Timber trade federation clauses (pdf in english)Institute War Cancellation Clause (Cargo) (pdf in english)Institute War Clauses (Air Cargo) (pdf in english)Institute War Clauses (Cargo) (pdf in english)Institute War Clauses (Commodity Trades) (pdf in english)Sanction Limitation and Exclusion Clause (pdf in english)Termination of transit clause (Terrorism) (pdf in english)U.S.A & Canada Endorsement for the Institute Radioactive Contamination... (pdf in english)

CY2 Cyber insurance (pdf)

Secondment insurance (pdf)Extended traveller’s insurance (pdf)Travel legal expenses insurance (pdf)Luggage and personal liability travel insurance (pdf)Traveller’s insurance (pdf)

OK1 Legal expenses insurance (pdf)OK2 Legal expenses insurance, intellectual property rights (pdf in Finnish)

Patient insurance wording (pdf in Finnish)

Occupational accident insurance (pdf)Personal accident insurance (pdf)

VA1 General third party liability insurance (pdf) Applied to new policies and to renewed insurance policies on or after 1 January 2025.VA1 General third party liability insurance (pdf) Applied to policies other than the above. VA2 Extended vehicle repair and service liability insurance (pdf)VA8 Group general liability insurance for the provider of training services (pdf)VA9 Liability insurance for property under care, custody or control (pdf)VA10 Drone liability insurance (pdf)VA11 Environmental damages (ELD) (pdf)VA20 Embezzlement cover (pdf)VA30 Pure financial loss cover (pdf)VA32 Pure financial loss insurance – public officials’ liability insurance (pdf)VA39 Liability, insurance brokers (pdf in Finnish)VA40 Publisher’s liability (pdf in Finnish)VA43 Pure financial loss - intellectual property rights (pdf)VA44 Pure financial loss, farm advisory (pdf in Finnish)VA46 Pure financial loss, finance (pdf in Finnish)VA48 Liability insurance for IT operations (pdf)VA60 Consultants’ liability insurance (pdf)VA70 Directors’ liability insurance (pdf)VA90 Product liability insurance (pdf)VA91 Product recall insurance (pdf)VY1 Common terms and conditions for liability insurances (pdf)Applied to new policies and to renewed insurance policies on or after 1 April 2024.

VY1 Common terms and conditions for liability insurances (pdf) Applied to policies other than the above.

930 Statutory environmental damage (pdf in Finnish)

General Terms and Conditions (pdf)YS15 General terms and conditions for corporate customers (pdf)

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Vehicle insurandes (pdf in Finnish)

Buy-to-let insurance (Apartment Cover) for corporate customers (pdf in Finnish)Boat insurance (pdf in Finnish)Corporate insurance (pdf in Finnish)Construction and erection all risk insurance

Working Capacity Insurance For companies with a personnel fewer than 10 peopleDecision for enterprises with 3–9 staff, based on health declarationWorking Capacity Insurance for self-employed persons and small enterprises Decision for enterprises with 1–9 staff, no health declarationWorking capacity insurance General practitioner group insurance Decision for enterprises with less than 10 staff, no health declarationWorking capacity insurance Specialist physician group insurance Decision for enterprises with 10 or more staff, no health declarationWorking capacity insurance Arvo Decision for key persons, no health declarationWorking capacity insurance Loisto Decision for management groups, no health declarationCorporate Cover (pdf)

Business interruption insurances (pdf in Finnish)

Buildings insurance, product description (pdf in Finnish)

Exhibition insurance (pdf in Finnish)Cargo insurance, continuous (pdf in Finnish)

Cyber insurance (pdf in Finnish)

Legal expenses (pdf in Finnish)

Patient insurance, product description (pdf in Finnish)

Workers’ compensation insurance

Directors’ liability insurance (pdf in Finnish)Liability insurance for IT operations (pdf in Finnish)Consultants’ liability insurance (pdf in Finnish)Product liability insurance (pdf in Finnish)Pure financial loss covers (pdf in Finnish)

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Motor liability insurance (pdf in Finnish)Comprehensive motor vehicle insurance (pdf in Finnish)Group motor liability and Comprehensive motor vehicle insurance for car dealerships (pdf in Finnish)Repairer comprehensive motor vehicle insurance (pdf in Finnish)

Corporate insurance (pdf) Construction and erection all risk insurances (pdfInsolvency insurance (pdf in Finnish)Buy-to-let insurance (Apartment cover) (pdf in Finnish)Boat insurance (pdf in Finnish)

Medical expenses insurances (pdf in Finnish)Working capacity insurance Arvo (pdf in Finnish)Working capacity insurance Loisto (pdf in Finnish)Working capacity insurance (pdf in Finnish)Working capacity insurance Group insurance (pdf in Finnish)Working capacity insurance for self-employed persons and small enterprises (pdf in Finnish)

Corporate business interruption insurances (pdf)

Buildings insurance (pdf in Finnish)

Continuous cargo insurance (pdf in Finnish)Single transit cargo insurance (pdf in Finnish)Road transport liability insurance (pdf in Finnish)Car transport insurance (pdf in Finnish)Carriers cargo liability insurances for logistics operators (pdf in Finnish)Agent’s transport insurance (pdf in Finnish)Exhibition insurance (pdf in Finnish)

Cyber insurance (pdf in Finnish)Cyber insurance Pro (pdf in Finnish)

Travel insurances (pdf in Finnish)Secondment insurance (pdf in Finnish)

Corporate legal expenses insurance (pdf)

Patient insurance

Personal accident insurances for enterprises (pdf in Finnish)Workers’ compensation insurance and occupational diseases insurancePersonal off-working-hours insuranceOff-working-hours group insuranceSports insuranceAccident insurance for ship staffSelf-employed persons' accident insuranceSelf-employed persons' volontary occupational accident insurance

Environmental damage insurance (pdf in Finnish)General third party liability insurance (pdf)Product liability insurance (pdf)

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A12 Daily fire prevention measures for companies (pdf)B10 During building, installation and repair work (pdf) B21 Wood processing industry (pdf in Finnish)B42 Church fire safety (pdf in Finnish)D10 Hot work (pdf)Hot work permit form (pdf in Finnish)D11 Flammable materials (pdf in Finnish) D31 Wind farm loss prevention (pdf in Finnish) E70 Fire safety at solid fuel heating plants (pdf in Finnish) G45 Break-in protection (pdf in Finnish)G47 Key safety (pdf in Finnish)G51 Property damage prevention at establishments selling vehicles (pdf in Finnish)