General third-party civil liability insurance
General liability insurance protects a company against unexpected financial costs in the event of unintentional damages to various third parties, such as clients, business partners, or others.
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Many years of experience in handling large and complex claims.
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Clear and easy-to-understand insurance terms.
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Custom solutions for every company’s needs.
We customise our insurance contract to the needs of every company.
Our base damage coverage for all clients includes:
- compensation for damage to or loss of third-party property;
- compensation for harm to the life and health of a third party;
- court expenses payable by a third party, as ordered by a court;
- legal costs, including expert examination costs;
- rescue costs.
Additional insurance coverage may include environmental damage risk, employer liability, product liability, and other types of covered damage that are binding to the business activities insured.
Latvian legislation requires various service providers to have general third-party civil liability insurance. BALTA offers insurance for the following service providers:
- construction contractors;
- security companies;
- event organisers;
- water management structure owners;
- operators working with sources of ionising radiation;
- credit providers;
- owners and operators of unmanned aircraft;
- railway carriers;
- merchants operating with explosives and explosive devices.
General third-party civil liability insurance can be taken out by any merchant, such as a car repair workshop owner, a cleaning company owner, a landlord, a building manager, or a manufacturer of any kind.
Claim examples
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A construction contractor was repairing the roof of a building which accidentally caught fire, resulting in the building burning down and damage to the movable property inside the building.
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A tree branch cut by an arborist falls on the church tower and damages it.
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An advertising stand set up in an event area falls on an event attendee’s foot, causing serious injuries.
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Several cars are inadvertently covered in paint during the painting of a bridge, and the contractor has to pay for the cost of repainting the cars.
Submitting a claim
Regarding events that may give rise to a complaint or claim, or about any complaint or claim raised against the company or its employees, call us on 67533375 or e-mail us at [email protected].
Frequently asked questions
It is another party that has suffered damage. The policyholder or the insured party themselves are not the persons to whom the compensation is to be paid.
It is the period after the end of the insurance period during which a third party raises a complaint against the insured party, and the insured party can submit the claim to the insurer.
This is the first written application for the compensation of losses submitted to the insured party by a third party.
