Hiljar Kõiv

Hiljar Kõiv is an experienced insurance professional currently serving as an Insurance Broker for the Baltics at Cachet since January 2024. Prior to this role, Hiljar was the Branch Director at BTA Kindlustus from February 2019 to June 2023, where leadership capabilities developed a motivated team of over 70 employees in the Estonian branch. Hiljar's extensive background also includes significant positions at ERGO Insurance SE as Sales Director and at Swedbank Life Insurance as Sales Manager, focusing on sales management and execution. Additional roles include Manager of the Export Guarantees Division at KredEx and various positions in corporate sales and insurance brokerage, showcasing a robust track record in sales, team leadership, and client relationship management. Hiljar holds a Bachelor of Arts in International Business Management from Concordia International University in Estonia, obtained between 1994 and 2002.