Commercial property insurance

Q: What property can be insured?

We insure all types of immovable property : buildings, structures, waterworks, and their utilities; internal finish; goods, produce, raw materials, equipment; production equipment, office equipment, inventory; glazing - show-cases, surfaces, stained-glass windows; Insurance of buildings and structures includes insurance of the external and internal finish, real property utilities (pipelines, wiring, heating, ventilation, and conditioning systems, etc.) as well as other integral parts of the real property. Either in addition to the real property insurance or separate movable property insurance : movable fixed assets (such as office equipment, technological equipment, machine tools); current assets - stock (such as raw materials, unfinished and finished products, packaging materials, products for sale); rented property - movable property owned by third parties and used on some legal basis; accepted property - movable property owned by third parties.

Q: Insurance terms and conditions and insurance product information document

Insurance product information document Insurance product information document Insurance product information document Commercial Property Insurance Terms and Conditions Terms and Conditions No 4A-1 (the wording applies to policies issued starting from 01.02.2018) Terms and Conditions of Commercial Property All Risks Insurance Terms and Conditions No 4B-1 (the wording applies to policies issued starting from 15.08.2018) General insurance terms and conditions Terms and Conditions No 4 (version applicable to policies issued after 18.03.2019) Terms and Conditions No 3 (version applicable to policies issued after 13.12.2011)

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Broad range of choices for a variety of customers

Our products are as diverse as our customers' businesses – from small-scale to stupendous, local and transnational.

Individualized risk assessment

We will develop an insurance solution, most suitable just for you, and, if necessary, lend advice for reducing the risks.

Fast claims handling process

In case of minor damages, you will be able to receive indemnity within the same day or a few days.

Frequently asked questions

We insure all types of immovable property:

buildings, structures, waterworks, and their utilities;
internal finish;
goods, produce, raw materials, equipment;
production equipment, office equipment, inventory;
glazing - show-cases, surfaces, stained-glass windows;

Insurance of buildings and structures includes insurance of the external and internal finish, real property utilities (pipelines, wiring, heating, ventilation, and conditioning systems, etc.) as well as other integral parts of the real property.

Either in addition to the real property insurance or separate movable property insurance:

movable fixed assets (such as office equipment, technological equipment, machine tools);
current assets - stock (such as raw materials, unfinished and finished products, packaging materials, products for sale);
rented property - movable property owned by third parties and used on some legal basis;
accepted property - movable property owned by third parties.

Commercial Property Insurance is valid in the territory of the Republic of Latvia.
Based on customer preferences and requests, we also offer movable property insurance outside the Republic of Latvia.