Insurer profile
Compensa Vienna Insurance Group, ADB Eesti Filiaal (brand name: Seesam)
Seesam is the brand name of Compensa Vienna Insurance Group, ADB Eesti Filiaal, a non-life insurer operating in Estonia since 1991. It is owned by Vienna Insurance Group (VIG), one of the largest listed international insurance groups in Central and Eastern Europe. Seesam offers a wide range of insurance products for private and corporate clients, including motor, home, travel, accident, pet, small vessel, and business insurance. It is the most recommended insurance company in Estonia according to Kantar Emor's 2024 NPS survey.
Source- Legal entity
- Compensa Vienna Insurance Group, ADB Eesti Filiaal (brand name: Seesam)
- Headquarters
- Tallinn, Estonia
- Parent group
- Vienna Insurance Group (VIG)
- Regulator
- Estonian Financial Supervision and Resolution Authority (Finantsinspektsioon)
- Phone
- +372 628 1800
- seesam@seesam.ee
- Last verified
- May 1, 2026
Products from Compensa Vienna Insurance Group, ADB Eesti Filiaal (brand name: Seesam)
motor
Motor Third Party Liability Insurance (MTPL)
Compulsory motor third party liability insurance covering damage caused to other parties in a traffic accident.
motor
Liiklus+ (Extended MTPL)
Extended motor third party liability insurance that also covers damage to the policyholder's own vehicle caused in a traffic accident, designed for older vehicles.
motor
Casco Insurance (Comprehensive Vehicle Insurance)
Voluntary comprehensive vehicle insurance covering damage caused by accidents, natural disasters, fire, theft, robbery or vandalism; available as Minikasko, Kasko or Superkasko.
property
Home Insurance
Home insurance covering damage to the building, household property and private liability, with full value insurance principle so no sum insured needs to be specified.
travel
Travel Insurance
Travel insurance covering medical expenses abroad, trip cancellation, interruption, baggage, liability and rental car deductible; available for individuals, families or groups.
health
Personal Accident Insurance
Accident insurance providing compensation for permanent disability, death, pain and suffering, medical costs and cancelled event tickets, for both adults and children.
pet
Pet Insurance
Pet insurance for cats and dogs covering veterinary costs for illness or accidents, dental care, rehabilitation, loss, theft and death.
other
Small Vessel Insurance
Insurance for small vessels registered in the Estonian small vessel register (under 24 metres), covering hull, mast, sails, motor, equipment and liability.
life
Life Insurance (via Compensa Elukindlustus)
Term life and loan protection insurance sold by Seesam as agent for sister company Compensa Elukindlustus, covering death and optional critical illness riders.
property
Family Insurance (Perekindlustus)
Combined family insurance product bundling home property insurance and personal accident insurance for all family members including children, in a single policy.
health
Employee Health Insurance
Corporate group health insurance for employees, covering medical treatment costs, hospitalisation and other health-related expenses.
motor
Business Casco Insurance
Voluntary comprehensive vehicle insurance for corporate clients, covering damage from accidents, natural disasters, fire, theft and vandalism; available as Minikasko, Kasko or Superkasko.
property
Business Property Insurance
Commercial property insurance for businesses covering buildings, inventory and equipment against fire, storm, theft, vandalism and water damage.
liability
Business Liability Insurance
Business liability insurance covering operational liability, product liability, professional liability (for lawyers, architects), and employer's liability.
property
Comprehensive Business Insurance (Tervikkindlustus)
All-in-one business insurance package for small businesses combining property insurance, operational and product liability, and cargo insurance in a single contract.
property
Apartment Association Insurance
Insurance for apartment associations covering jointly owned property against fire, explosion, storm, water damage, break-in, vandalism and liability.
financial
Cargo / Goods in Transit Insurance
Cargo insurance covering damage to goods in transit, available as all-risk (ICC A) or named-perils (ICC C) cover, including exhibition insurance.
liability
Freight Forwarder Liability Insurance
Liability insurance for freight forwarders covering contractual liability towards clients arising from freight forwarding and transport contracts.
property
Business Interruption Insurance
Business interruption insurance covering lost profit and ongoing fixed costs following a property insurance event that halts business operations.
travel
Corporate Travel Insurance
Group travel insurance for corporate clients covering employees' medical expenses abroad, trip cancellation, luggage, liability and rental car deductible.
cyber
Cyber Insurance
Cyber insurance for businesses covering losses from cyber attacks, including business interruption, data restoration, third-party liability, and crisis communications costs.
Regulatory updates
Seesam operates in Estonia as a branch (Compensa Vienna Insurance Group, ADB Eesti Filiaal, registry code 12970620) of the Lithuanian insurer Compensa Vienna Insurance Group, ADB. The branch is listed on the Finantsinspektsioon (FSA) website under affiliated branches of foreign non-life insurance institutions. The original Seesam Insurance AS operating licence expired on 02.07.2020 following the merger with Compensa Vienna Insurance Group, ADB on 1 July 2020. The branch continues to operate under the supervision of Finantsinspektsioon in accordance with Estonian insurance law and EU directives. No recent sanctions or adverse regulatory actions have been identified.