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Third-party liability
Who is personal liability insurance intended for?
Personal liability insurance is designed to protect you from unexpected losses you may accidentally cause to another person and for which you are responsible, for example:
• As a pedestrian, shopper, or pet owner
• While riding a bicycle or engaging in sports activities
• As a result of your children's actions
• As a homeowner or tenant
• While building or renovating a home
What are the benefits?
What are the benefits?
What damages are covered by a liability insurance?
More about civil liability insurance
Submit your claim as soon as possible, but no later than 3 days after the incident:
- Send the completed claim form by email to atlidzibas@compensa.lv.
- Call us at 8888.
- Submit electronically via the Compensa portal.
Please include the following with your claim:
- The injured party’s claim addressed to the owner of the responsible apartment.
- Any other documents provided by the injured party, such as estimates, property manager reports, etc.
What happens after we receive your claim:
- Our specialists will contact the injured party and inspect the damaged property. Until the inspection is completed, please do not start repair works. Only essential measures to minimize further loss are allowed, such as removing water or ventilating rooms.
- After the inspection, we will prepare a property restoration estimate.
- A decision regarding the insurance compensation will be made within 1 month.
- Payment will be made within 5 business days after the decision.
Civil liability of the apartment owner or tenant related to the management of the respective apartment.
For example, neighbors flooded due to a water or sewage system failure, or damage to neighbors’ premises caused by a fire resulting from faulty electrical installations, among other situations.
Civil liability of the private house owner or tenant related to the management of the house and the adjoining land plot.
For example, an ice chunk falls from the roof onto a car parked nearby, or a tree on the property breaks in strong wind and falls onto a neighboring house, among other situations.
Personal civil liability for damages caused to third parties in connection with:
- Everyday risks;
- Management of real estate;
- Active leisure activities;
- Keeping pets;
- Minor cosmetic repairs.
By choosing this type of insurance, the liability of your family members (spouse and minor children) will also be covered, in any geographical area you select.
For example: your child breaks a neighbor’s window while playing ball; you accidentally injure someone while riding a bicycle or skiing; your dog escapes the property and causes a traffic accident or bites someone; a bathtub overflow or burst pipe floods neighbors or damages rented premises; a short circuit in household appliances causes a fire, damaging third-party property or causing injury to their life or health, and other similar situations.
You can quickly and easily arrange civil liability insurance for construction or renovation works.
This policy is designed for construction and renovation projects that require a building permit.
The insurance is valid at the address specified in the policy.
Mandatory insurance in accordance with Cabinet Regulation No. 447 “Regulations on Mandatory Civil Liability Insurance for Unmanned Aerial Vehicle Flights.” 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.
