Professional Protection for Property Owners, Apartment Associations, and Vehicle Owners Facing Unjustified Insurance Company Claims
I have been working in the insurance industry for more than 33 years. During this time, I have built my career from opening and managing insurance company branches — including ASA Kindlustus, AB Elukindlustus and Salva Kindlustus — with responsibility for both sales development and claims handling.
Since 2007, I have worked as an independent insurance broker and, by law, represent only the interests of the client. My role has always been to stand on the client’s side — independently, professionally, and without influence from insurance companies.
In 2021, I summarized my practical experience and knowledge in the book “Insurance: A Handbook for Non-Professionals”, created to help people better understand this complex field and protect their interests with confidence.
My Specialization — Complex Insurance Claims
I have always been drawn to complex claims — cases that require investigation, analysis, and attention to detail.
If lawyers search for legal provisions, I search for facts. In many ways, my work is investigative by nature.
Insurance claims are rarely straightforward. Because compensation often involves significant financial exposure for the insurer, every payout is usually reviewed with great scrutiny and attention to detail.
My task as an insurance expert is to identify mistakes, technical inconsistencies, weak assumptions, or legal gaps that can influence the insurer’s decision — and use them to challenge unfair assessments or claim denials.
I know the insurance business from the inside. I understand how decisions are made, how losses are evaluated, and how insurance companies build their arguments. I use this knowledge, together with decades of practical experience, to protect my clients’ interests and achieve fair outcomes — especially in difficult and disputed cases.
Sincerely,
Oleg Kultaev