Civil liability insurance of the person performing construction work
Construction contractor liability insurance will protect you from financial losses that you, your family members, or hired builders unintentionally cause to other persons during construction.
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Insurance is required if a building permit is required for the construction or repair work to be carried out.
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The insurance is valid in the insurance territory specified in the policy.
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The policy is intended for submission to the building authority.
Losses covered by civil liability insurance of the person performing construction work
Damage caused to the health of a third party
Bodily injuries caused to another person, including medical expenses, disability benefits, or compensation for loved ones in the event of the person's death.
Damage caused to third party property
In cases where, in accordance with the Civil Law of the Republic of Latvia, the insured person is liable for compensation for losses.
Examples of compensation
During major repairs and redevelopment of the premises in the neighboring apartment, the ceiling was deformed and cracks appeared in the walls – 5896 EUR
As a result of the repairs, water leaked, two apartments were damaged – 4 575 EUR
During the construction work, a tree was cut down, which fell onto the roadway, damaging a car – 3 963 EUR
During the installation work, an electrical cable was dug up in the yard – 1 063 EUR.
Submitting a claim
Submit a claim quickly and easily at any time of the day by calling 67533375 or filling in the claim form.
Together with the form, submit the injured party’s claim and send it to [email protected].
Frequently asked questions
Insurance coverage is valid at the address specified in the policy.
This insurance is necessary to protect you from losses that you may cause to other persons, such as neighbors, during construction work.
The necessity and amount of insurance for civil liability of construction workers is determined by Cabinet Regulation No. 502 - Regulations on Compulsory Civil Liability Insurance of Construction Specialists and Construction Workers, which stipulates that the minimum limit is EUR 7,500.
One policy is designed to insure objects under construction at one address. If construction work is taking place at multiple addresses, a separate policy is required for each address.
If you need a higher insurance compensation limit, please contact BALTA employees by phone 67522275.
No, they do not. Builders are not considered third parties.