Pro Kindlustusmaakler

What Pro Kindlustusmaakler does

Pro Kindlustusmaakler OÜ is a privately held Estonian insurance broker (kindlustusmaakler) headquartered at Toompuiestee 30, Tallinn, licensed and regulated by the Estonian Financial Supervision Authority (Finantsinspektsioon) since 2015 (Business Registry Number 12740297, LEI 9845007CY37A4C43IE57). The firm intermediates insurance policies between clients and a panel of Estonian and European insurance carriers, operating under a commission-based brokerage model with no publicly disclosed pricing or fees.

The company serves two horizontal client segments. For private retail clients (erakliendidele), it offers Liikluskindlustus (mandatory traffic liability), Kaskokindlustus (casco), Kodukindlustus (home), Reisikindlustus (travel), Elukindlustus (life), Õnnetusjuhtumikindlustus (accident), Ravikindlustus (medical), and Väikelaevakindlustus (small vessel) coverage. For business clients (äriklientidele), it provides a broader portfolio of approximately 15 commercial lines including machinery and equipment, business interruption, electronic equipment, CMR carrier liability, freight forwarder liability, cargo, CAR construction all-risk, housing association, warranty, financial risk, employee health, employer liability, business activity liability, product liability, professional indemnity, and property owner liability insurance. Service is delivered through direct in-person and phone/email consultation, claims-handling support, and a trilingual website (Estonian, Russian, English).

Revenue mechanics are entirely commission-driven on policies placed with carrier partners, with pricing set per underlying insurance contract on an annual cadence and no standalone fees for the brokerage service. The go-to-market is direct, relationship-led, and office-based rather than digital self-service, and the firm has no disclosed external investors, M&A history, or material headcount information. Differentiation rests on the Finantsinspektsioon license, dual Estonian/European carrier panel access, multilingual service capability, and an explicitly stated emphasis on personal client contact and claims-handling support.

Name

Pro Kindlustusmaakler

Legal name

Pro Kindlustusmaakler OÜ

Website

https://prokm.ee

Company type

Private

Founded year

2015

Operating status

Operating

Short description

Pro Kindlustusmaakler OÜ is a licensed Estonian insurance broker headquartered in Tallinn that intermediates personal and commercial insurance policies between clients and a panel of Estonian and European carriers, with direct, relationship-led service in Estonian, Russian, and English.

Ownership category

akta.pro rank

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As a licensed insurance broker registered with the Estonian Financial Supervision Authority (Finantsinspektsioon), Pro Kindlustusmaakler earns commissions from insurance providers for placing insurance policies with customers. The company helps clients find the most suitable insurance coverage from Estonian and European insurers.

Pricing tiers

Distribution channels1 record

Marketing channels2 records

Core offering

Pro Kindlustusmaakler is a licensed Estonian insurance brokerage that mediates personal and commercial insurance products from multiple Estonian and European insurance providers (including BTA, ERGO, If, Salva, Seesam, and Gjensidige). The firm provides consultation on coverage selection, policy placement, and end-to-end claims assistance for both private individuals and business clients, delivered in Estonian, Russian, and English from its Tallinn office.

Product overview

Pro Kindlustusmaakler is an insurance brokerage firm offering a comprehensive portfolio of insurance products through both a single integrated service platform and individual product offerings. For private clients (erakliendidele), they provide Liikluskindlustus (mandatory traffic insurance), Kaskokindlustus (casco/vehicle insurance), Kodukindlustus (home insurance), Reisikindlustus (travel insurance), Elukindlustus (life insurance), Õnnetusjuhtumikindlustus (accident insurance), Ravikindlustus (health insurance), and Väikelaevakindlustus (small vessel insurance). For business clients (äriklientidele), they offer vehicle insurance, machinery insurance, business interruption insurance, electronic equipment insurance, CMR carrier liability, freight forwarder liability, cargo insurance, CAR construction all-risk insurance, housing association insurance, warranty insurance, financial risk insurance, employee health insurance, accident insurance, travel insurance, employer liability insurance, business activity liability, product liability, professional liability, and property owner liability. The company operates as a licensed insurance broker registered with the Estonian Financial Supervision Authority (Finantsinspektsioon) and collaborates with both Estonian and European insurers to provide clients with optimal coverage options. Their distinguishing approach emphasizes direct client contact, personal relationships, and live communication alongside continuous digital development.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Brokerage
• Business Insurance Brokerage
• Claims Support Service
• Insurance Consultation Service

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Estonian Insurance ProviderscoreOthersPartnership with Estonian insurance companies to provide local insurance products to clients. The company works with Estonian insurers as part of their core brokerage operations.
• European Insurance ProviderscoreOthersPartnership with European insurance companies to provide clients with broader insurance options and coverage from international providers.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Salva Kindlustus: Estonian-headquartered insurance carrier offering P&C, health, and accident products. Comparable as a domestic competitor and potential carrier partner for the broker's product portfolio.
• Aon: Global insurance broker and advisory. Comparable as a broad incumbent in the brokerage industry, providing a benchmark for how digital and advisory capabilities evolve in the sector.
• Seesam Insurance: Baltic insurance carrier active in Estonia with both retail and B2B offerings. Comparable because it serves overlapping retail and commercial insurance customers in Estonia.
• Marsh McLennan: Global insurance brokerage and risk advisory firm. Comparable as a large incumbent broker model; relevant for assessing competitive dynamics in brokerage distribution, though not directly competing in Pro Kindlustusmaakler's local Estonian niche.
• If P&C Insurance (Baltics): Leading Nordic-Baltic P&C insurer with strong Estonian presence and broker partnerships. Comparable as a dominant Estonian insurance provider with which Pro Kindlustusmaakler brokers and competes for client relationships.
• ERGO Insurance (Estonia): Major Baltic insurance carrier and broker-distributor with broad product portfolio across life, health, and P&C. Comparable because it competes for the same Estonian retail and B2B clients, though as a carrier-led incumbent rather than an independent broker.
• Gjensidige Baltic: Norwegian-headquartered insurer with Baltic operations in Estonia, Latvia, and Lithuania. Comparable as both a carrier partner and a competitor for retail/business insurance customers in the same Estonian market.

Direct peers

• IIZI Kindlustusmaakler: Estonian insurance broker operating across retail and B2B lines with multi-carrier access. Highly comparable in scale, business model (commission-based brokerage), and target market to Pro Kindlustusmaakler.

Regional players

• Compensa Vienna Insurance Group (Baltics): Vienna Insurance Group subsidiary active across the Baltics with retail and commercial lines. Comparable as a regional multi-line insurer/broker that competes for similar Estonian/Baltic insurance customers.

Others

• Intesa Sanpaolo Insurance (Estonia via donor): Other insurance intermediaries and online aggregators operating in Estonia (e.g., kindlustus.ee portals). Comparable as ecosystem participants that influence how Estonian insurance distribution is evolving toward digital comparison.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pro Kindlustusmaakler