Northern1 International Insurance Brokers OÜ (Northern1) is an insurance brokerage company which is entered into the list of insurance brokers of the Financial Supervision Authority (www.fi.ee) and who engages, for a remuneration and based on a brokerage contract, in insurance distribution. Northern1 is licensed to conduct insurance mediation activities in all European Union countries and Iceland.
It is known that in Estonia, dental care for adults is supported by the state in a minimal amount. Northern1, together with an international insurer, took a risk and started mediating the first private dental insurance contracts in Estonia in 2008, so that like in other developedn countries Estonians would have an opportunity to insure their possible dental expenses if they wish to do that.
Northern1, in its relations with various insurers, has established that due to the specificity of the insurance risk, only one insurance company, Amtrust International Underwriters DAC, offers independent dental insurance to the insured persons insured by their company and who are using dental services in Estonia. Those insurance contracts are directly mediated policyholders (legal persons) by Northern1.
Cavitas is Northern1’s trademark of dental insurance services in Europe. Cavitas brings together dental insurance offers from different insurers and supports our goals in different markets.
A- (excellent) rated insurer
Dental insurance risk for juridical persons ist taken by insurer Amtrust International Underwriters DAC in Ireland (www.amtrustfinancial.com). Insurers’ stability and strength is demonstrated by the Financial Strength Ratings, which is an assessment of an insurer’s ability to meet its obligations to policyholders. For Amtrust International Underwriters DAC, the financial strength rating is the A – (excellent) given to those insurance companies that have the best ability to meet their insurance obligations.