[ in-dem-ni-ter ]


  1. a person or company that gives indemnity.

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Word History and Origins

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More About Indemnitor

What does indemnitor mean?

An indemnitor is a person or organization (usually an insurance company) that provides indemnity—protection or security against damage or loss, or compensation for damages or money spent.

Insurance coverage provides indemnity to a person or organization by insuring them for certain potential situations, such as damages to their property from natural disasters or accidents. Indemnity is commonly used in legal contracts to secure protection against being sued or held responsible for an accident. It’s often seen in the phrase indemnity clause.

The one who provides such coverage is the indemnitor, and the one who receives it is the indemnitee. The indemnitor is typically the insurance company, and the indemnitee is the person or organization who pays for the insurance coverage.

To provide indemnity is to indemnify. The indemnitor indemnifies the indemnitee.

Example: The final damage assessment is the obligation of the indemnitor, not the indemnitee—that’s part of what the policyholder is paying for.

Where does indemnitor come from?

Indemnitor is based on indemnity, which comes from the Latin indemni(s), meaning “without loss” or “uninjured.” This is formed from the prefix in-, which has a negating effect equivalent to un-, and demn-, from damnum, meaning “loss.” The suffix -or is used to indicate the agent of the action—the one granting the indemnity. (In indemnitee, the suffix -ee is used to indicate a person who is the object or beneficiary of something—in this case, the person who is the beneficiary of indemnity.)

Indemnitee and indemnitor are used in the context of insurance and legal contracts. Insurance coverage gives the policyholder indemnity, meaning it protects against financial liability for damages or loss. Damages refers to those that happen to a piece of property like a car or house, or to injuries suffered by a person. Loss refers to things like the loss of income one might experience because they can’t work. The indemnitee is indemnified for these things, meaning they get compensated by the indemnitor for (at least part of) the money lost or spent.

In corporate law, an indemnity agreement often makes a company’s executives indemnitees against personally being sued if the company is sued.

Words like indemnitor and indemnitee are often considered legalese (legal jargon), especially since there are usually less confusing ways to say it. An indemnitor can usually also be called an insurer. An indemnitee can usually also be called a policyholder or the insured.

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How is indemnitor used in real life?

Indemnitor is typically used in a technical way in the context of insurance and legal contracts.



Try using indemnitor!

True or False? 

Indemnitor is a synonym of indemnitee.