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Personal customersBusiness customersFarm customersInformation about LocalTapiola Insurance materials for our corporate clients
Motor Insurance
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)
Pension Insurance
Rahasto-Omaeläke (pdf in Finnish)
TOP group pension insurance (pdf in Finnish)
TyEL insurance
YEL insurance
Property Insurance
ES1 Property Insurance (pdf)
ES3 Apartment cover (Buy-to-let insurance)
ES4 Exceptional flood insurance (pdf)
904 Construction and erection, fixed-term (pdf)
905 Construction and erection, continuous (pdf)
921 Insolvency (pdf in Finnish)
EETT Exclusion: Communicable deseases (pdf)
Life and medical expenses insurance
Medical expenses insurance (pdf)
Working capacity insurance Group insurance (new) (pdf) Applied to policies starting on or after 1 June 2017
Working capacity insurance (pdf) Individual decision based on health declaration
Working Capacity Insurance Arvo (pdf)
Working Capacity Insurance Loisto (pdf)
Working capacity insurance Group insurance (old) (pdf) Applied to policies starting before 1 June 2017
Working capacity insurance for self-employed persons and small enterprises (pdf in Finnish)
Corporate Cover (pdf)
Business Interruption Insurance
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)
Real Estate Insurance
Real estate insurance 5600 (pdf) Applied to new policies and to renewed insurance policies on or after 1 January 2026.
Real estate insurance 5600 (pdf) Applied to policies other than the above.
Cargo Insurance
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 Insurances, International terms
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)
Cyber Insurances
CY2 Cyber insurance (pdf)
Travel Insurances
Secondment insurance (pdf)
Extended traveller’s insurance (pdf)
Travel legal expenses insurance (pdf)
Luggage and personal liability travel insurance (pdf)
Traveller’s insurance (pdf)
Legal expenses Insurances
OK1 Legal expenses insurance (pdf) Applied to new policies and to renewed insurance policies on or after 1 January 2026.
OK1 Legal expenses insurance (pdf) Applied to policies other than the above.
OK2 Legal expenses insurance, intellectual property rights (pdf in Finnish)
Patient insurance
Patient insurance wording (pdf in Finnish)
Accident Insurances
Occupational accident insurance (pdf)
Personal accident insurance (pdf)
Liability Insurances
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) Applied to new policies and to renewed insurance policies on or after 1 June 2025.
VA48 Liability insurance for IT-operations (pdf) Applied to policies other than the above.
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)
General Terms and Conditions
General Terms and Conditions (pdf)
YS15 General terms and conditions for corporate customers (pdf)Open the whole list
Motor insurance
Vehicle insurances (pdf in Finnish)
Property Insurance
Buy-to-let insurance (Apartment Cover) for corporate customers (pdf in Finnish)
Boat insurance (pdf in Finnish)
Corporate insurance (pdf)
Construction and erection all risk insurance (pdf)
Life and medical expenses insurances
Working Capacity Insurance For companies with a personnel fewer than 10 peopleDecision for enterprises with 3–9 staff, based on health declaration
Working Capacity Insurance for self-employed persons and small enterprises Decision for enterprises with 1–9 staff, no health declaration
Working capacity insurance General practitioner group insurance Decision for enterprises with less than 10 staff, no health declaration
Working capacity insurance Specialist physician group insurance Decision for enterprises with 10 or more staff, no health declaration
Working capacity insurance Arvo Decision for key persons, no health declaration
Working capacity insurance Loisto Decision for management groups, no health declaration
Corporate Cover (pdf)
Interruption Insurances
Business interruption insurance (pdf)
Disability business interruption insurance (pdf)
Real Estate Insurance
Real estate insurance (pdf)
Cargo Insurance
Exhibition insurance (pdf in Finnish)
Cargo insurance, continuous (pdf in Finnish)
Legal expenses Insurances
Legal expenses (pdf in Finnish)
Patient Insurance
Patient insurance, product description (pdf in Finnish)
Accident Insurances
Workers’ compensation insurance
Liability Insurances
Directors’ liability insurance (pdf in Finnish)
Liability insurance for IT operations (pdf)
Consultants’ liability insurance (pdf in Finnish)
Product liability insurance (pdf)
Pure financial loss covers (pdf in Finnish)Open the whole list
Property Insurance
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)
G47 Key safety (pdf)
G51 Property damage prevention at establishments selling vehicles (pdf in Finnish)
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