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General civil liability
Who purchases Compensa General liability Insurance?
What are the benefits?
What are the benefits?
More about General liability Insurance
If you are interested in Compensa services, consult our specialists who will help you choose the most suitable insurance solution
- Losses related to harm caused to a third party’s life or health
- Losses related to damage or destruction of a third party’s property
- Consequential financial losses
- Losses caused by a subcontractor hired by the Insured
- Legal and litigation expenses
- Expert evaluation costs
- Rescue and recovery expenses
- Loss of profit
- Expenses arising from sudden and unforeseen environmental pollution
- Non-pecuniary (moral) damages
- Subcontractor’s liability
- Mutual liability
- Losses resulting from damage to rented real estate
- Losses resulting from damage to movable property entrusted to the Insured
- Other losses
- Standard coverage also includes the insured's liability as the owner/tenant of real estate used for the insured's business activities
- Standard coverage includes liability for subcontractors engaged by the insured with subrogation rights
- Financial losses resulting from damage or destruction of third-party property are also compensated
- Insured's legal and litigation expenses sublimit is 30% of the liability limit
- Expertise costs without sublimit
- Rescue expenses without sublimit
- Losses are also compensated to the insured's relatives and family members
- Losses are compensated when performing loading/unloading operations
- Liability for construction work that can be carried out without a building permit is insured
- Claims can be submitted within 3 years after the insurance policy end date
- Insurance compensation is paid within 10 working days from receipt of all documents
General liability insurance for construction contractors is a mandatory type of insurance according to Cabinet Regulation No.502 "Noteikumi par būvspeciālistu un būvdarbu veicēju civiltiesiskās atbildības obligāto apdrošināšanu".
Types of construction contractor GLI policies:
- Construction contractor GLI annual policy, is valid for all construction sites during the insurance period,
- Construction contractor GLI project policy, is valid for a specific construction site.
To protect your company from unexpected losses caused when the company's sold, manufactured, or distributed products have harmed the health or property of third parties, we recommend choosing product liability insurance. additionally, it is possible to insure product withdrawal from the market or recall, replacement, repair, or damage to another product if the product is a component of it.
Mandatory insurance according to Cabinet Regulation No. 298 "Noteikumi par publiska pasākuma organizatora civiltiesiskās atbildības obligāto apdrošināšanu". the general liability insurance policy for event organizers protects the organizer from unexpected financial losses caused to event attendees, participants, or other persons.
Covered losses:
- Harm to the life or health of a third party;
- Damage or loss of a third party's property;
- Resulting financial losses;
- Losses caused by engaged subcontractors;
- Losses related to catering services;
- Legal and litigation expenses;
- Expertise and rescue expenses.
Additionally available:
- Losses caused to event participants;
- Losses during fireworks;
- Losses to rented real estate;
- Losses to entrusted movable property;
- Moral damage;
- Drone owner liability.
Examples of losses:
- Damage to entrusted equipment, furniture, or premises during the event;
- Food poisoning of event attendees;
- A drone falling during event filming and injuring spectators.
How much does a policy for one event cost?
| number of attendees and participants | liability limit | deductible | premium* |
| up to 100 | 2845 € | 70 € | 30 € |
| 101 to 1000 | 10 670 € | 70 € | 47 € |
| more than 1000 | 14 230 € | 70 € | 58 € |
* premium for private and corporate events up to 3 days. the insurance premium depends on the number of attendees and participants, type of event, period, coverage, deductible, liability limit, and loss history.
Types of event organizer GLI policies:
- Event organizer GLI policy for a single event
- Event organizer GLI policy, valid for multiple events during the insurance period
Compensates for damage caused to employees' health and property if it occurs while performing work duties and the employer is liable for it according to the legislation of the Republic of Latvia. It is also possible to cover occupational diseases that arise during work.
A property manager is responsible to the owner of a residential building for performing the management tasks assigned to them in accordance with the Residential Building Management Law, the Civil Law, and the terms of the management agreement.
The manager is liable according to the law for failing to comply with legal requirements while performing management tasks.
Auto service providers are responsible for potential losses that may occur to their clients as well as other third parties when providing car repair, car wash, or parking services.
Hotels and guesthouses providing accommodation services are responsible for losses that may occur to their clients.
Civil Law, Article 1998, states that the hotelier is liable for travelers' belongings unless they prove that the loss occurred due to the travelers themselves, their guests or escorts, or due to force majeure.
The hotelier is also responsible for items handed over by travelers to them or their employees before arrival at the hotel. However, regarding money, securities, and valuables brought by travelers, liability is limited to 1420 EUR unless otherwise specified in the insurance contract.
According to the Security Activities Law, a security service provider is obliged to insure its civil liability for losses that it may cause to third parties.
According to Cabinet Regulation No. 691 "Noteikumi par patērētāja kreditēšanu" of the Republic of Latvia, a credit intermediary is obliged to insure its civil liability for damage caused by its actions or inactions to collateral entrusted to the credit intermediary.
Cleaning and janitorial service providers are responsible for losses to third parties caused by their actions or omissions while providing cleaning or janitorial services.
According to the Law "On the Safety of Hydrotechnical Structures of Hydro Power Plants", the operator of Class A and B HPP hydrotechnical structures is obliged to insure its civil liability for damage caused by its actions or omissions to the life and health of third parties, damage to third-party property, and environmental harm while operating (using and maintaining) the hydrotechnical structures under its control.
Class A — structures where a failure poses a threat to human life and health, causes significant damage to the property of individuals and legal entities, and results in significant environmental harm;
Class B — structures where a failure does not pose a threat to human life and health but causes damage to the property of individuals and legal entities and environmental harm.
Mandatory insurance in accordance with Cabinet Regulation No. 447 “Noteikumi par civiltiesiskās atbildības obligāto apdrošināšanu
bezpilota gaisa kuģu lidojumiem.” Civil liability insurance (CTA) for drone owners protects against unexpected financial losses caused to third parties.
Covered damages include:
- Damage to third parties’ life or health;
- Damage or loss of third parties’ property;
- Consequential financial losses;
- Legal and litigation costs;
- Expert and rescue expenses;
- Environmental damage.
Benefits:
- The policy can be purchased not only for hobby use but also for providing various services;
- Losses caused by the insured’s relatives and family members are also covered;
- Claims can be submitted up to 3 years after the policy expiration date;
- The policy can be purchased for operations outside the territory of Latvia.
Policy cost:
| Drone weight | Liability limit | Deductible | Premium |
| up to 249.99 g | €50,000 | €50 | €55 |
| 250 g – 1,499 g | €50,000 | €50 | €70 |
| 1,500 g – 2,999 g | €50,000 | €50 | €88 |
You can purchase the policy by calling 8888 or emailing info@compensa.lv.
