Business liability insurance covers damage your company accidentally causes to third parties in the course of its business, whether to their health or property, as well as legal defence costs.
We compare offers from several insurers for general, product, employer's and professional liability and help you choose the right cover. We will reply within 24 hours.
Insurance covers losses that may arise to third parties: both property and health-related. This helps the company avoid significant financial losses that could affect business stability.
The policy is adapted to any industry's specifics: manufacturing, services, trade, or construction. Companies with valuable assets should also consider property insurance. Coverage corresponds to the company's operational risk level and regulatory requirements.
Insurance helps cover the risks of litigation, expert assessments, and other costs related to third-party claims. This allows the company to focus on core business rather than complex disputes.
Civil liability is often an essential requirement in cooperation agreements. Insurance enhances the company's reputation and reliability, facilitating participation in procurements and deals.
Liability insurance is not one policy for every case. Depending on what your company does, you choose one or several types:
| Type | What it covers | Suitable for |
|---|---|---|
| General liability | Bodily injury and property damage caused to third parties in the course of business | Offices, shops, manufacturers, service providers |
| Product liability | Damage caused by a defective product made or sold by the company | Manufacturers, distributors, importers |
| Employer's liability | Employee claims against the employer for a workplace injury or occupational disease | Companies with staff, especially in higher-risk work |
| Professional indemnity (PCTA) | Clients' financial loss caused by a professional error or incorrect advice | IT companies, consultants, agencies, engineers |
| Event organiser liability | Damage caused to event visitors and other third parties | Organisers of concerts, festivals, sports and corporate events |
| Carrier liability (CMR) | The carrier's liability for cargo damage, loss or delayed delivery | Road hauliers in international and domestic transport |
Several types can often be combined in one policy. Tell us about your business - we will assess the risks, compare offers and reply within 24 hours.
A client slipped on a freshly mopped floor where there was no warning sign and sprained their ankle. Examinations, orthopaedist visits, and medication were needed. Total costs reached around €1,200. Insurance covered the compensation, and the company avoided reputational and financial risks.
Company employees, restoring office walls, accidentally dropped a toolbox, damaging the client's parquet floor. Repair cost €1,400. Civil liability insurance compensated the losses, preventing the risk of losing a client and expenses from the company budget.
While moving cargo in the warehouse, a worker caught a client's shipment with a forklift, damaging the equipment's outer panel. The client had to carry out repairs and part replacement for €1,850. The policy compensated losses, allowing the company to maintain good relations and avoid additional expenses.
On the factory premises, a painting section was not cordoned off, and paint got on a visitor's clothing that wouldn't wash out. The client demanded compensation for a €600 jacket. The insurer compensated the losses, and the company avoided disputes and negative reviews.
Contact us by phone or email - we will reply within 24 hours
Tell us about your business, turnover and the cover you need
We will compare offers from several insurers and help you choose
Once the contract is signed and paid, the policy will be sent to your email
Civil liability insurance (CTA in Latvian) covers damage the insured accidentally causes to other people - to their health, life or property. If the injured party makes a claim, the insurer assesses liability, pays compensation and usually also covers legal defence costs. For a company, it helps protect against claims related to its operations, products or services.
It covers damage your company accidentally causes to third parties in the course of business: bodily injury, property damage and the financial loss resulting from them. Pure financial loss caused by a professional error or incorrect advice is covered by professional indemnity insurance (PCTA).
It is essential for service providers, construction companies, manufacturers, logistics and trade sectors, and any company working with clients or their property.
In most industries it is voluntary, but partners, landlords and tender conditions often require it. For some activities insurance is required by law, for example for construction specialists and contractors (Cabinet Regulation No. 502), drone operators (Cabinet Regulation No. 447) and several professions that must have professional indemnity insurance. We will help you find out which requirements apply to your company.
Yes, coverage and limits can be adapted to the company's risks, for example, for IT services, construction, healthcare, trade, manufacturing, etc.
Yes, the policy typically covers employee errors, negligence, or carelessness that cause losses to third parties.
This can be included as additional coverage. It depends on the policy specification. Many insurers offer this option.
Yes, our services are free. We receive compensation from insurers.
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