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No matter how careful we are, accidentally caused damage to the property, health or life of another person can happen to everyone in daily life. Compensation of such damages to another person is the responsibility of each person; however, you and your company can delegate the compensation of these losses to us, if you acquire civil liability insurance for your company.
Our advantages:
Every person can insure his or her general civil liability. It can protect the company from unpleasant experience that can expose business to danger and harm the company’s reputation. Although the director of a company cannot really keep track of each employee’s conduct at work, the company has civil liability for each of its employees and has to assume the liability for all business processes irrespective of whether it is in the production or service provision.
Each type of business is unique and each has very specific processes during which fatal errors or accidents can happen that can cause losses to other persons.
For many types of business, general civil liability insurance is mandatory pursuant to the requirements of the regulatory enactments of the Republic of Latvia in order to get a permit to run a particular business.
We offer the general civil liability insurance for the following types of companies to which the general civil liability insurance is a mandatory requirement:
We identify potential specific situations in each type of business, therefore we also offer civil liability insurance to the following types of companies, which can acquire insurance voluntarily:
| Basic risks of general civil liability insurance for legal entities: | |
|---|---|
| Harm to life or health of another person |
Death, permanent or temporary incapacity for work, physical injury or illness, for instance, by producing defective production the consumer is injured.
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| Damage caused to the property of another person |
Damage caused to the property owned or legally used by another person or loss thereof, for instance, when performing the reconstruction of the building façade, the employee loses the hammer and it falls down one the car driving by the object.
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| Rescue expenses |
Expenses related to emergency damage elimination or minimisation measures, for instance, when extinguishing the fire, the property of another person is flooded.
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| Litigation expenses |
Coordinated court expenses and expenses related to the case prosecuting incurred due to the examination and adjustment of the claim brought by another person against the customer, for instance, if we justify that you are not liable but the other person persistently continues requesting loss compensation and brings an action against you in court, we will compensate such court expenses and expenses related to the case prosecuting provided that they are agreed with us in advance.
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| Special risks or possible insurance protection extended covers: |
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| Liability for financial losses |
Available as extended cover.
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| Civil liability of engaged sub-contractors |
Available as extended cover.
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| Civil liability of the insured as an employer |
Available as extended cover.
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| Liability after the end of providing services |
For production manufacturers, real estate managers and event organisers, the risk is included in the standard insurance protection, for others it can be included in the insurance protection as extended cover.
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| Liability for the damage caused to other construction participants |
For constructors, available as extended cover.
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| Liability for contingent environment pollution |
For hydrotechnical construction processors and ionizing appliance operators, the risk is included in the standard insurance protection, for others it can be included in the insurance protection as extended cover.
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| Liability for the damage caused to entrusted property |
For car service and real estate managers the risk is included in the standard insurance protection, for others it can be included in the insurance protection as extended cover.
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| Extended product liability - damage caused to the end product |
For production manufacturers, available as extended cover.
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| Withdrawal of the produce |
For production manufacturers, available as extended cover.
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| Cancellation of events |
For event organisers available as extended cover.
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When acquiring the general civil liability insurance, the policy validity territory will be specified in the insurance policy.
The insurance validity territory can be selected upon necessity – it can be both the territory of the Republic of Latvia and a territory specified in a particular insurance policy, for instance, the address of a particular object where services are provided.
If you run your business abroad, including exporting goods, when acquiring the general civil liability insurance, we also offer an extended policy validity territory – European Union or, if necessary, even broader territory.
The policy of general civil liability insurance for legal entities can be acquired in the following ways:
If you want to receive additional information about the general civil liability insurance for legal entities or acquisition thereof, contact BTA Customer support by phone 26 12 12 12 or in any other way convenient to you. See other ways of contacting in section “Contacts”
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