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. 

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.

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:

• 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.

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”