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OUR SERVICES
Northern1 insurance focus
Keyman insurance
Keyman insurance safeguards businesses against financial losses from the death or incapacity of a vital employee, ensuring continued operations and stability.
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FOR WHOM
There are no specific rules for who a business considers a key person.
It is an owner or employee that provides a direct contribution to the company’s bottom line. They may also be a key man in their operations.
People to consider when purchasing a key man insurance policy include:
- Engineers
- Difficult to replace personnel
- Heads of product development
- Leading sales personnel
- C-suite executives such as a CEO or COO
- Partners or co-owners of a firm
INSURANCE COVERS
Keyman insurance policies can vary significantly in terms of what is covered and under what circumstances. The cover can include:
- Death
- Critical illness
- Disability
- Cost of temporary staff
RISK TERRITORY
Keyman insurance cover can be taken out by policyholders in all EU countries.
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Loss of licence
Loss of license insurance offers financial support to professionals like pilots or mariners if they lose their license due to medical reasons, ensuring income during their career transition.
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FOR WHOM
For pilots if they fly as their primary source of income:
- Commercial flying
- Instructional flying
- Agricultural
- Aerial work
For marine professionals like:
- Commercial mariners
- Charter skippers
- Professional crew
- Delivery skippers
- Marine mechanics and repairmen
- Marine engineers
INSURANCE COVERS
Loss of license insurance policies can vary in terms of what is covered and under what circumstances. The cover can include:
- Temporary loss of license
- Permanent loss of licence
- All causes death
RISK TERRITORY
Loss of license insurance cover can be taken out by policyholders in all EU countries.
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Expat health, individual
Expat Health Individual insurance offers medical coverage for expatriates, ensuring access to healthcare abroad, including hospitalization and medical evacuation.
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FOR WHOM
For individuals worldwide.
INSURANCE COVERS
The specific coverage details can vary based on the insurance plan selected, the policy, and the insurer.
RISK TERRITORY
Expat healthcare insurance cover can be taken out by individual policyholders worldwide.
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Expat health, business
Expat health corporate insurance provides medical coverage for overseas employees, supporting global companies’ staff well-being and retention.
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FOR WHOM
For individuals worldwide.
INSURANCE COVERS
The specific coverage details can vary based on the insurance plan selected, the policy, and the insurer.
RISK TERRITORY
Expat healthcare insurance cover can be taken out by individual policyholders worldwide.
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SULDanmark
SUL – a combination of disability, critical illness and life insurance for Denmark only.
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FOR WHOM
SUL product is for pension plans in Denmark only, provided exclusively via pension insurance brokers.
INSURANCE COVERS
RISK TERRITORY
GO TO WEBSITE
GodSundhed health insurance
Straightforward health insurance for groups of Danish residents and non-residents working in Denmark.
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FOR WHOM
Companies provide health insurance as employee benefit to attract and retain employees plus support speedy treatment and recovery.
INSURANCE COVERS
Health insurance cover offers:
1.PRIVATE HOSPITALISATION
- Short term – ambulatory treatment (Gold plan)
- Long term (Silver and Gold plan)
- Hospitalisation related services like medical expenses, rehabilitation, home nursing, transport costs
2.COMPLEMENTARY & ALTERNATIVE TREATMENTS
- Psychologist/Psychoterapist
- Physiotherapist
- Chiropractor
- Osteopath
- Acupunture
- Reflexologist
3. ONLINE DOCTOR & TRAUMA ASSISTANCE
RISK TERRITORY
GO TO WEBSITE
Cavitas dental insurance
Corporate dental insurance offers employees dental care coverage within their benefits package, covering check-ups, procedures, and treatments to promote oral health.
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FOR WHOM
Companies provide dental insurance as employee benefit to attract and retain employees plus support the overall well-being of employees.
INSURANCE COVERS
Dental insurance cover offers:
1.REGULAR DENTAL TREATMENT COVER IN THE HOMELAND AND ALL EU:
- Check-ups
- X-rays
- Local anaesthesia
- Fillings
- Root canal treatment
- Tooth extractions
- Periodontal treatments
- Crowns
- Dentures
- Implants
- Adult orthodontics
2.WORLDWIDE ACCIDENT DENTAL TREATMENT COVER.
3. ORAL CANCER TREATMENT COVER IN THE HOMELAND.
GO TO WEBSITE
Clinical Trials
Clinical trial liability insurance protects researchers and participants by covering harm from negligence and no-fault incidents. It covers legal defense costs and compensation.
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FOR WHOM
- Entity that conducts clinical trials and therefore required by law to take out liability insurance (pharmaceutical companies, contract research organizations, academic institutions, healthcare providers, and research sponsors)
INSURANCE COVER
Clinical trial liability insurance safeguards both researchers and participants, covering harm caused by negligence as well as harm where no fault is found. It provides for legal defense expenses as well as compensation payments in case of:
- Participant injuries
- Participant death
RISK TERRITORY
Clinical trials cover can be taken out by legal entity policyholders in all EU countries.
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Life insurance
Life insurance secures dependents’ financial future by providing a payout after the policyholder’s death, with options like an agreed term or whole life catering to different needs.
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FOR WHOM
Life insurance is for individuals like:
- Parents with young children or dependents with functional needs
- Spouses who provide most of the income
- Older adults without savings
- Young adults with private student loans
- Business owners
Life insurance can be also taken out by corporates for group of employees as employee benefit or as keyman insurance where beneficiary is corporate itself.
INSURANCE COVERS
The primary feature of term life insurance is the death benefit, a lump sum payment made to the beneficiaries upon the policyholder’s death. This benefit is intended to provide financial support for expenses like living costs, debts, education, or funeral costs.
RISK TERRITORY
Life insurance cover can be taken out by corporate or individual policyholders in all EU countries.
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Electronics extended warranty
Electronics warranty covers repairs and replacements for devices like smartphones, laptops, tablets, cameras, and other gadgets beyond standard warranties.
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FOR WHOM
Electronics extended warranty is a perfect add-on product in businesses like:
- Retail stores selling electronic items
- Leasing companies leasing various types of electronic equipment
- Banks providing consumer loans to their customers to buy electronic items
- IT and tech companies which require uninterrupted functioning of computers, servers, and other tech equipment
INSURANCE COVERS
An electronics extended warranty generally extends the coverage provided by the manufacturer’s standard warranty, offering additional protection against malfunctions and defects after the original warranty expires. While the specifics can vary by provider and product, here’s what they may cover:
- Replacement of the device or item
- Parts and labor costs
- Mechanical and electrical failures
- Defects in materials and workmanship
- Accidental damage
- Power surge protection
RISK TERRITORY
Electronics extended warranty cover can be taken out by legal entity policyholders in all EU countries.
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Payment excemption
Payment exemption relieves individuals or entities from certain fees or debts, aiding those in financial hardship and securing those for whom payment is directed.
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FOR WHOM
For any legal entities that collect payments on a subscription basis.
INSURANCE COVERS
RISK TERRITORY
Payment exemption cover can be taken out by legal entity policyholders in all EU countries.
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Motor guarantee
Also known as an extended motor warranty offers insurance against mechanical or electrical failures in vehicles, beyond the manufacturer’s warranty.
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FOR WHOM
Motor extended warranties, also known as vehicle service contracts, are typically taken out by businesses that rely heavily on vehicles for their daily operations:
- Car dealers (new and used cars)
- Rental car agencies
- Car leasing companies
- Delivery and logistics companies
- Taxi companies
- Courier and local delivery services
INSURANCE COVERS
A motor extended warranty generally extends the coverage provided by the manufacturer’s standard warranty, offering additional protection after the original warranty expires. While the specifics can vary by provider and product, here’s what they may cover:
- Mechanical breakdown
- Performance guarantee for electric batteries
- Maintenance (preventive and/or corrective)
Other possible motor-related coverage:
- “Body Care” exterior protection (scratches, dents, chips etc.)
- Glazing and lightning (windshield, mirrors, lamps etc.)
- “Interior Care” interior protection (fabric/leather)
- Wheels and tires
- Roadside assistance, towning, replacement vehicle
- Fuel error
- Loss of keys
RISK TERRITORY
Motor extended warranty cover can be taken out by legal entity policyholders in all EU countries.
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Cyberfraud
Cyber fraud insurance shields against losses from online threats like data breaches and phishing, securing assets for businesses and individuals.
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FOR WHOM
- Businesses of all sizes
- Healthcare providers
- Financial institutions
- Retailers
- Educational institutions
- Government agencies
- Technology companies
- Professional service providers
INSURANCE COVER
Cyber insurance policies can vary significantly in terms of what is covered and under what circumstances. The cover can include:
- Data breach and privacy management
- Cyber extortion defense
- Legal fees and fines
- Business interruption losses
- Data recovery
- Network security liability
- Identity theft
- Crisis management and public relations
- Forensic investigation
- Coverage for errors by employees
RISK TERRITORY
Cyber insurance cover can be taken out by legal entity policyholders in all EU countries.
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Professional indemnity
Professional indemnity (PI) insurance protects professionals against claims of negligence or mistakes that lead to financial loss for their clients.
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FOR WHOM
For the groups like:
- Subscription based groups
- Membership based groups
- Affinity groups
- Associations
- Bank card owners
- Goverment organizations
- Insurance policy holders where terror cover is excluded
INSURANCE COVERS
- Accidental death
- Accidental permanent total disability
- Maximum cover is €100.000 per insured person
- 24/7 365 days country of residence cover to the insured person
- Travel cover includes family members (spouse/partner + dependent children until the age of 23 if in full-time education) whilst accompanied by the insured person
- Travel cover provided for full duration of the trip up to maximum length of 30 days outside country of residence
RISK TERRITORY
Terror victim insurance cover can be taken out by legal entity policyholders in all European Union but cover applies for travels in worldwide.
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Terror victim insurance
Terror victim insurance provides financial for support individuals affected by acts of terrorism, helping in their recovery and rebuilding their lives.
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FOR WHOM
For the following professionals:
- IT
- Architects / Engineers
- Lawyers
- Business consultants
- Accountants
- Insurance intermediaries
- Insurance underwriting agencies
- Translators
INSURANCE COVERS
The specific coverage details can vary based on the policy, the insurer, and the nature of the profession. The cover can include:
- Legal defense costs
- Settlements and damages
- Claims and allegations of negligence
- Loss of documents
- Breach of confidentiality
- Defamation and libel
- Infringement of intellectual property rights
RISK TERRITORY
Professional indemnity cover can be taken out by legal entity policyholders in Lithuania, Latvia, Estonia, Bulgaria, Hungary, Slovenia, Malta, Croatia, Cyprus, Romania, Poland, Czechia, Slovakia, Greece.
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Micro life insurance
Micro life insurance offers instant, affordable protection, helping companies safeguard employees, members, or customers with minimal cost.
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FOR WHOM
Micro life insurance is typically bought by:
- Companies: providing group coverage for employees as part of a benefits package.
- Financial institutions: bundling life coverage with financial products.
- Commerce: offering embedded insurance as an added value service.
- Telecom/Utility providers: partnering for micro-premium deductions through billing systems.
- Healthcare/Wellness providers: complementing health-related services with life protection plans.
INSURANCE COVERS
Death at any cause
RISK TERRITORY
Europe
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Insurance markets
ABOUT US
Active in insurance industry since 1999
Operating as a wholesaler broker, Northern1 collaborates with the industry’s most reputable insurance providers, ensuring flexibility and swift responses in order to maximize our clients’ solutions in terms of cost-efficiency and coverage quality.
Northern1’s genuine dedication is embodied in its meticulously selected niches, which mirror the fundamental skills and substantial experience of its leadership team.
WHY NORTHERN1
Partner with Northern1
We are a wholesale insurance broker dedicated to deliver a highly streamlined and disruption-free service experience in a multitude of languages. Our diverse linguistic capability encompasses Danish, Swedish, Norwegian, Finnish, Estonian, Latvian, Lithuanian, Russian, Polish, German, English, French, Spanish, and Portuguese, underpinning our commitment to breaking down barriers and facilitating effortless communication.
WE DELIGHT
In everything we do we aim to create delightful moments. Our goal is to treat all our customers fairly regardless of race or ethnicity, gender or sexual orientation, religion or belief, age or disability and exceed their expectations at any time.
TEAM WORK
Effective, positive and honest cooperation between everybody in value chain is a basis for the good result. We are open to team up with other brokers and partners for the best result for our customers.
COMMUNICATION
We encourage our customers and team speak out, express thoughts, concerns and give feedback. We communicate with our customers and team members in a friendly manner and with respect.
OUT-OF-BOX
Hand in hand with the rules and regulations that we careully follow we support innovations and out-of-box thinking. We always believe if there is a will there is a way.
FREQUENTLY ASKED QUESTIONS
Browse our frequently asked questions for immediate support, or contact us directly for any unresolved queries.
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Who are Northern1?
At Northern1 International Insurance Brokers OU, we pride ourselves on being a team of insurance experts with a wealth of experience. Since 1999 we have been active in the insurance industry. In 2015 we became an independent and licensed insurance broker and since then we have been providing insurance solutions for corporations and individuals in the European Union. Our primary distribution channel is through insurance brokers, ensuring that our clients receive personalized and tailored insurance options to meet their specific needs and demands. With a commitment to excellence and a focus on customer satisfaction, we strive to deliver the best insurance solutions for our clients.
Is Northern1 regulated?
At Northern1 International Insurance Brokers OÜ is authorized to carry on insurance intermediary regulated activities under the permissions granted by the Estonian Financial Supervision and Resolution Authority (EFSRA) under the Insurance Activities Act 2004. You can check this on the EFRSA’s register by visiting the website www.fi.ee or by contacting the EFSRA +3726680500. Northern1 International Insurance Brokers OÜ has rights to provide insurance mediation activities in all EU member states and Iceland.
Who is the underwriter for Northern1 insurance products?
At Northern1 International Insurance Brokers OÜ we work with a diverse network of international capacity providers. By collaborating with these providers, we ensure that our underwriting process benefits from their extensive knowledge, experience, and licensing. This enables us to effectively handle and mitigate all the risks associated with our insurance products. Rest assured, we prioritize utilizing relevant expertise to offer the best insurance solutions.
Northern1 credit rating
Northern1 CPD certificates
