Professional Indemnity Insurance

The quality of provided professional services plays a great role in work of each merchant and specialist. We are, however, not protected from accidents and negligence. Professional indemnity insurance protects you from financial losses which might arise as a result of losses caused to your customers or other persons due to your professional activities. 

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Why to choose BTA professional indemnity insurance?

Our advantages:

  • We ensure an individual approach to each customer and offer the most appropriate professional indemnity insurance to his or her needs and requirements;
  • We offer a wide range of professional indemnity insurance services, including for both professional activities which require mandatory civil liability insurance under laws and regulations of the Republic of Latvia, and professional activities, representatives of which may insure their civil liability on a voluntarily basis.

What kind of professional activities may be insured?

Professional indemnity insurance ensures that any certified specialist protects himself or herself from financial losses caused to other persons as a result of services provided in the course of his or her professional activities which the specialist of the relevant field is obliged to compensate under laws and regulations. Merchants may opt for professional indemnity insurance of certified specialists employed by the merchants against financial losses caused to their customers or other persons.

Each of the regulated professions is unique, and each has very specific duties during the performance of which, professional mistakes may be made, wrong decisions may be taken, there might be accidents or negligence, as a result of which losses may be caused to other persons.

Pursuant to laws and regulations of the Republic of Latvia, many professional service providers are obliged to ensure professional indemnity insurance in order to obtain a certificate which allows a person to provide the specific services. We offer professional indemnity insurance to the following professional service providers which are obliged to ensure civil liability insurance:

  • Insurance intermediaries;
  • Construction specialists (developers of construction design, managers of construction design, construction supervisors, field supervisors, managers of construction work, persons engaged in examination of construction design, construction examination, and engineering survey);
  • Pharmaceutical care providers;
  • Persons engaged in geodesy, land survey and land cadastral survey;
  • Competent institutions and competent specialists in labour protection;
  • Administrators of insolvency proceedings;
  • Persons engaged in forest inventory;
  • Providers of reliable certification services;
  • Persons engaged in clinical trials of medicinal products and monitoring of their use;
  • Certified auditors.

Envisaging specific possible situations in each professional activity, we offer civil liability insurance to the following professional service providers which may purchase insurance voluntarily:

  • Auditors;
  • Energy auditors;
  • Accountants;
  • Geologists;
  • Lawyers;
  • Medicine employees;
  • Real estate agents;
  • Assessors;
  • Sworn advocates;
  • And other professional service providers.

What are the risks to be insured against?

Damage caused to the life or health of another person
Death, incapacity for work, temporary incapacity for work, physical injury or illness, for instance, a construction designer designs a structure, which fails to perform its functions envisaged for its operation in the required capacity after construction, thus causing losses to the health of other persons.
Damage caused to property of another person
Damage to or loss of property owned or legally used by another person, for instance, if a construction manager fails to notice that constructor's employees conduct work without following the design and work schedule, as a result of which the construction object partially collapses and cars located at the object are damaged.
Financial losses caused to another person
Decrease (expenses) in the property of another person not related to restoration of the damaged property or prevention of damages caused to the health or physical condition, for instance, by making a professional mistake, your customer is imposed an administrative penalty by a competent institution.
Rescue expenses
Expenses related to urgent measures to prevent or reduce the damages, for instance, if foundations of the construction object have started sliding which may cause total or partial collapse of the construction object, then it is necessary to conduct preventive measures in order to prevent or reduce further worsening of the situation.
Litigation expenses
Coordinated court and matter settlement expenses incurred in relation to consideration and adjustment of the claim submitted by another person against the customer, for instance, if we insist that you have not become liable, while another person persistently continues to request loss compensation and refer to the court, then we will indemnify such court and matter settlement expenses, provided they are agreed upon with us in advance.

What is the validity territory of the policy?

In case of purchasing professional indemnity insurance, the validity territory of the policy will be specified in your insurance policy.

The insurance validity territory may be specified according to your needs – it may be both the territory of the Republic of Latvia and a specific territory indicated in your insurance policy, such as the address of the specific site where services are provided.

If you also provide your professional services abroad, we offer an expanded validity territory of the policy – Europe or even a wider territory, if necessary.

Purchase of policy

A professional indemnity insurance policy may be purchased in one of the following manners:

  • By completing the application form on the BTA home page, then a BTA specialist will contact you, prepare an insurance offer on the basis of your detailed information, and send it to the e-mail address you have indicated;
  • By calling BTA Customer Support Service at (+371) 26 12 12 12. It is also possible to pay for the insurance policy during the call;
  • By visiting any BTA Customer service centre  in person;
  • By contacting BTA agents, insurance brokers.

What to do in case of an accident?

In case of an accident, act as follows:

1. Immediately inform BTA Customer Support Service at (+371) 26 12 12 12 of the event that might be a potential cause for another person to make complaints about loss indemnification envisaged by your insurance policy. Contact BTA also in the event you do not consider yourself guilty of causing losses, or another person has not yet made a complaint.

2. After receipt of a written complaint and documents certifying caused losses from another person, if any, immediately contact BTA Customer Support Service at (+371) 26 12 12 12 in order to receive instructions for further actions and to claim insurance indemnity. 

Insurance Terms and Conditions

  PDF E-doc*
General terms and conditions of civil liability insurance    
Terms and conditions No 21.01.
(version valid for policies issued from 31.01.2012)
Professional indemnity insurance terms and conditions    
Terms and conditions No 21.1.
(version valid for policies issued from 23.01.2007)
Terms and conditions No 19.2
(version valid for policies issued from 14.12.2010)
General insurance terms and conditions    
Terms and Conditions No 3
(the wording applies to policies issued starting from 13.12.2011)
Terms and Conditions No 2
(the wording applies to policies issued starting from 07.06.2011)


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