General Civil Liability Insurance for Legal Entities

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.

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Why to choose BTA general civil liability insurance for legal entities?

Our advantages:

  • We ensure an individual approach to each customer evaluating his needs and desires and offering the most suitable civil liability insurance.
  • We offer insurance protection specially adapted to specific business sectors.
  • We offer complex policies, integrating into them an extensive civil liability insurance protection (several business directions, several civil liability insurance varieties in one policy).
  • Within the framework of long-term cooperation, we offer advantageous bonuses to our loyal customers. 

What types of business can be insured with civil liability insurance?

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:

  • construction specialists,
  • ionizing appliances operators,
  • security guards,
  • hydrotechnical systems managers,
  • public event organisers,
  • tax and other electronic payment registration equipment and appliance operators,
  • medical equipment owners or holders,
  • companies whose business is related to explosives and detonation appliances.

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:

  • production manufacturers and distributors,
  • car repair services,
  • car washes,
  • real estate managers,
  • companies of any other type of business.

What types of risks can be insured against?

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.
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.
Rescue expenses
Expenses related to emergency damage elimination or minimisation measures, for instance, when extinguishing the fire, the property of another person is flooded.
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.
Special risks or possible insurance protection extended covers:
 
Liability for financial losses
Available as extended cover.
Civil liability of engaged sub-contractors 
Available as extended cover.
Civil liability of the insured as an employer
Available as extended cover.
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.
Liability for the damage caused to other construction participants 
For constructors, available as extended cover.
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.
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.
Extended product liability - damage caused to the end product
For production manufacturers, available as extended cover.
Withdrawal of the produce
For production manufacturers, available as extended cover.
Cancellation of events
For event organisers available as extended cover.

What is the policy validity territory?

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.

Ways to acquire the policy

The policy of general civil liability insurance for legal entities can be acquired in the following ways:

  • by filling in the application form on the BTA website – a BTA expert will contact you, acquire detailed required information, prepare the insurance proposal and send it to your e-mail address;
  • by calling BTA Customer Support Service at 26 12 12 12. During the phone call, you can also pay for the Insurance policy;
  • by visiting the BTA Customer Service Centre;
  • by contacting a BTA agent, insurance broker.

How to receive additional information?

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”