Which are the activities we offer specific risk insurance for?

In order to protect yourself from any losses which might arise as a result of accidental damage to property belonging to another person, or damage caused to health or life of another person, any individual may insure his or her general civil liability. Risk to cause losses to another person may be related to some specific activities which require specific insurance protection, therefore it is important to identify these risks and include them in insurance protection. It is possible to insure them individually or combine all of them in one insurance contract. We offer the following insurance coverages: General third-party liability Liability shall be insured for the day-today life situational loss caused by you or your kids to other persons. Private property owner’s/lessee’s third-party liability Liability shall be insured for the use, management or use for the purposes, unrelated to business operations, of the real estate owned, leased or leased out by you. Contractor’s – construction work performer’s third-party liability Your liability shall be insured for organizing construction work for personal needs or participating therein. If you intend to perform construction work that require a construction permit under the requirements of regulatory enactments of the Republic of Latvia, regulatory enactments envisage that Construction contractors’ general third-party liability insurance is strictly necessary for you as well. Trainee’s third-party liability Your liability as a Trainee shall be insured in the course of educational traineeship or as a natural person upon participation in experience exchange programmes or education programmes.

What are the risks to be insured against?

Third-party liability insurance basic risks for individuals: Harm caused to life or health Moral damage Damage to property Consequential financial losses arising from damage to property Litigation expenses Rescue expenses Expertise expenses Environmental pollution Damages caused by land vehicle (except where compulsory insurance is applicable, also air vehicles including drones or mechanical ships or boats) Risks that can be insured optionally: Expenses related to a third-party business interruption Damage caused to entrusted (incl. rented) immovable property Damage caused to entrusted movable property

Civil liability insurance | Fill out the application online

Individualized approach

Tailored insurance solution for the customer

Efficient protection of the Insured's interests

We have accumulated extensive experience in dealing with third party claims against our customers, therefore our customers may enjoy feeling confident in the best protection of their interests.

Feeling protected

There are many things in life that can be predicted, but, we cannot predict how much a damage incurred to a third party will cost, although – this can be insured and enjoy the feeling protected.

Insurance product information document

General terms and conditions of civil liability insurance No 21.01. (version valid for policies issued from 31.01.2012)

Terms and conditions of general civil liability insurance of individuals No 21.01.-01 (version valid for policies issued from 28.08.2013)

Terms and conditions of general civil liability insurance of individuals No 19.2 (version valid for policies issued from 14.12.2010)

Frequently asked questions

In order to protect yourself from any losses which might arise as a result of accidental damage to property belonging to another person, or damage caused to health or life of another person, any individual may insure his or her general civil liability.

Risk to cause losses to another person may be related to some specific activities which require specific insurance protection, therefore it is important to identify these risks and include them in insurance protection. It is possible to insure them individually or combine all of them in one insurance contract.

We offer the following insurance coverages:

General third-party liability
Liability shall be insured for the day-today life situational loss caused by you or your kids to other persons.
Private property owner’s/lessee’s third-party liability
Liability shall be insured for the use, management or use for the purposes, unrelated to business operations, of the real estate owned, leased or leased out by you.
Contractor’s – construction work performer’s third-party liability
Your liability shall be insured for organizing construction work for personal needs or participating therein. If you intend to perform construction work that require a construction permit under the requirements of regulatory enactments of the Republic of Latvia, regulatory enactments envisage that Construction contractors’ general third-party liability insurance is strictly necessary for you as well.
Trainee’s third-party liability
Your liability as a Trainee shall be insured in the course of educational traineeship or as a natural person upon participation in experience exchange programmes or education programmes.

Third-party liability insurance basic risks for individuals:

Harm caused to life or health
Moral damage
Damage to property
Consequential financial losses arising from damage to property
Litigation expenses
Rescue expenses
Expertise expenses
Environmental pollution
Damages caused by land vehicle (except where compulsory insurance is applicable, also air vehicles including drones or mechanical ships or boats)

Risks that can be insured optionally:

Expenses related to a third-party business interruption
Damage caused to entrusted (incl. rented) immovable property
Damage caused to entrusted movable property

Insuring civil liability, 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 a specific territory indicated in your insurance policy, such as your home address, and territory of the Republic of Latvia; moreover, if you often travel abroad, we offer an expanded validity territory of the policy – Europe or world-wide.