General liability insurance
How to ensure the financial stability of the company if third parties suffer material or non-material damages caused by trade, production or other activities carried out by you, product or service?
With ERGO general liability insurance, we will compensate the damage to affected third parties and defend you against unreasonable claims and represent you in court.
General liability insurance
tailored for you
Different insurance coverage conditions are relevant for different companies, so we offer individual consultations for each company and choose the scope of insurance coverage that best meets the nature of the activity and the policyholder’s needs.
Why to choose ERGO insurance?
Matches your needs
We will assess the risk individually and provide you with an insurance coverage that matches the needs and activities of your company.Claim settlement process and claim compensation
In case of an insured event, we will fully take over the claim settlement process. We will help to determine the amount of losses and will cover experts’ fees. We will compensate for material and non-material damage caused to third parties.Protection during business trips abroad
As standard, your civil liability is insured for damage caused while on a business trip, participating in exhibitions, fairs or for other business purposes.Assistance of qualified lawyers and attorneys-at-law
We will ensure the assistance of qualified lawyers and, if necessary, attorneys-at-law. We will represent you in court at our own expense.The general liability of the product (sold in Lithuania) is valid in Europe
We will insure your civil liability for damage caused in the EU, Norway, Switzerland and the United Kingdom, provided that the cause of the damage is your product, which is provided in Lithuania for (non-business) purposes.3-year period for bringing a claim
A claim must be submitted within three years from the expiry of the insurance contract if the event was reported to us during the insurance contract period or within the extended notification period (standard time limit of 90 days).What may be covered by general liability insurance?
Your chosen risks
Your corporate business liability insurance, depending on your needs, can cover the following risks:
- managed buildings and premises;
- activities;
- product and/or services.
Managed buildings and premises
Civil liability of the tenant of buildings (premises) and/or tenant (manager) arising from the real property managed by you.
Activities
Civil liability of activities arising from the works or services performed by you.
Product and/or service
Product and/or service liability arising from damage caused by the product and/or service provided by you.
What may be covered by general liability insurance?
Your corporate business liability insurance, depending on your needs, can cover the following risks:
- managed buildings and premises;
- activities;
- product and/or services.
Civil liability of the tenant of buildings (premises) and/or tenant (manager) arising from the real property managed by you.
Civil liability of activities arising from the works or services performed by you.
Product and/or service liability arising from damage caused by the product and/or service provided by you.
What can we cover additionally?
Civil liability for contractors hired by you
we will compensate losses caused to your customers or third parties in the course of fulfilment of your orders performed by the subcontractors or suppliers hired by you to fulfil your contracts.
Civil liability for real property entrusted to you
we will compensate losses to the property which is not owned by you but is rented, held on the basis of the right of trust, operated, maintained by you.
Civil liability for movable property entrusted to you
we will compensate losses to the property which is not owned by you but is rented, repaired, stored, warehoused or otherwise disposed by you.
Civil liability for on-land motor vehicles and self-propelled work machines
we will compensate losses incurred by your customers or third parties when you cause damage using on-land vehicles or self-propelled work machines when there is no traffic accident.
Civil liability for environmental pollution
we will compensate losses if you pollute the environment during your activities: both the costs of the pollution removal and the losses of third parties that arose as a result of the pollution.
Civil liability for damage to the environment, calculated by environmental protection officers
we will compensate damage to nature calculated by the authorities of the Republic of Lithuania which should be compensated by your company.
Product mix liability
we will compensate direct recovery (raw materials, production costs) damages when your product, being linked separably or inseparably, causes damage to a component part of another third party’s product or the whole product..
Civil liability for product recall
- we will compensate losses if your product is found to be unsafe and you have to take it from the market or dispose of it;
- we will compensate costs of public information, transportation, storage, and disposal that arise from an unsafe product.
What can we cover additionally?
we will compensate losses caused to your customers or third parties in the course of fulfilment of your orders performed by the subcontractors or suppliers hired by you to fulfil your contracts.
we will compensate losses to the property which is not owned by you but is rented, held on the basis of the right of trust, operated, maintained by you.
we will compensate losses to the property which is not owned by you but is rented, repaired, stored, warehoused or otherwise disposed by you.
we will compensate losses incurred by your customers or third parties when you cause damage using on-land vehicles or self-propelled work machines when there is no traffic accident.
we will compensate losses if you pollute the environment during your activities: both the costs of the pollution removal and the losses of third parties that arose as a result of the pollution.
we will compensate damage to nature calculated by the authorities of the Republic of Lithuania which should be compensated by your company.
we will compensate direct recovery (raw materials, production costs) damages when your product, being linked separably or inseparably, causes damage to a component part of another third party’s product or the whole product..
- we will compensate losses if your product is found to be unsafe and you have to take it from the market or dispose of it;
- we will compensate costs of public information, transportation, storage, and disposal that arise from an unsafe product.
20+
team members in the Baltics
1200
team members in the Baltics
640 000+
customers in the Baltics
90+
products
Terms and Conditions of General Liability Insurance
Expired
Civilinės atsakomybės draudimo taisyklės.pdf
Valid for contracts issued until 2023-08-31
Civilinės atsakomybės draudimo taisyklės.pdf
Valid for contracts issued until 2014-11-30
Civilinės atsakomybės draudimo taisyklės.pdf
Valid for contracts issued until 2013-05-31
