General third party liability insurance for legal entities

No matter how careful we are, accidentally caused damage to the property, health or life of another person can happen to everyone in daily life. Compensation of such damages to another person is the responsibility of each person; however, you and your company can delegate the compensation of these losses to us, if you acquire liability insurance for your company.

Apply for policy:

Submit the application form, and we will contact you to prepare an insurance offer suitable for your preferences and requirements!​

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Why choose BTA General third party liability insurance?

Our advantages:

  • We ensure an individual approach to each customer evaluating his needs and desires and offering the most suitable  liability insurance.
  • We offer insurance protection specially adapted to specific business sectors.
  • We offer complex policies, integrating into them an extensive  liability insurance protection (several business directions, several  liability insurance varieties in one policy).
  • Within the framework of long-term cooperation, we offer advantageous bonuses to our loyal customers. 

What risks are covered by the insurance?

Basic risks of general civil liability insurance for legal entities:
Harm to life or health of another person
  Death, permanent or temporary incapacity for work, physical injury or illness, for instance, by producing defective production the consumer is injured.
Damage caused to the property of another person
  Damage caused to the property owned or legally used by another person or loss thereof, for instance, when performing the reconstruction of the building façade, the employee loses the hammer and it falls down one the car driving by the object.
Rescue expenses
  Expenses related to emergency damage elimination or minimisation measures, for instance, when extinguishing the fire, the property of another person is flooded.
Litigation expenses
  Coordinated court expenses and expenses related to the case prosecuting incurred due to the examination and adjustment of the claim brought by another person against the customer, for instance, if we justify that you are not liable but the other person persistently continues requesting loss compensation and brings an action against you in court, we will compensate such court expenses and expenses related to the case prosecuting provided that they are agreed with us in advance.

Special risks or possible insurance protection extended covers:

Civil liability of engaged sub-contractors
(available as extended cover)
Civil liability of the insured as an employer
(available as extended cover)
Liability after the end of providing services
(for production manufacturers, real estate managers and event organisers, the risk is included in the standard insurance protection, for others it can be included in the insurance protection as extended cover)
Liability for the damage caused to other construction participants
(for constructors, available as extended cover)
Liability for contingent environment pollution
(for hydrotechnical construction processors and ionizing appliance operators, the risk is included in the standard insurance protection, for others it can be included in the insurance protection as extended cover)
Liability for the damage caused to property in care, custody and control of insured person
(for car services the risk is included in the standard insurance protection, for others it can be included in the insurance protection as extended cover)
Liability for the damage caused to the rented property
(for real estate tenants, available as extended cover)
Extended product liability - damage caused to the end product
(for production manufacturers, available as extended cover)
Withdrawal of the produce
(for production manufacturers, available as extended cover)

What is the insurance territory?

When acquiring the general  liability insurance, the insurance territory will be specified in the insurance policy. 

The insurance territory can be selected upon necessity – it can be both the territory of the Republic of Estonia and a territory specified in a particular insurance policy, for instance, the address of a particular object where services are provided. 

If you run your business abroad, including exporting goods, when acquiring the general  liability insurance, we also offer an extended policy validity territory – European Union or, if necessary, even broader territory.

Ways to purchase a policy

BTA policies can be purchased in the following ways:

  • by filling out an application form on BTA website; BTA specialist will contact you to find out detailed information, prepare the insurance offer and send it to the e-mail address indicated by you;
  • by calling BTA Customer Support Service at (+372) 5 68 68 668. It is possible to pay for the insurance policy during the phone call;
  • by contacting BTA Customer Support Service by e-mail: bta@bta.ee or skype: bta_kindlustus
  • by visiting BTA Customer Service Centre in person;
  • by contacting BTA agents;
  • by contacting BTA insurance brokers.

How to receive additional information?

If you want to receive additional information please contact BTA Customer Support Service at 5 68 68 668 or by any other means of communication. Other means of communication can be found in the section “Contacts”.

Insurance service information documents

  PDF E-doc
Insurance service information document

 

Insurance terms and conditions

  PDF
Liability insurance conditions (effective as of 01.10.2018)  
General activity´s  liability insurance conditions GL 2018.2
House owners liability insurance conditions GL 2018.3
Product liability insurance conditions GL 2018.4
Employers Liability insurance conditions GL 2018.5
Event organizer´s liability insurance conditions GL 2018.6 
Construction company liability insurance GL 2018.8
Liability insurance General conditions (effective as of 01.10.2018)  
Liability insurance general conditions GTPL 2018.0
Liability insurance conditions (effective up to 30.09.2018)  
Liability insurance conditions No. GL 2010.1
General insurance terms and conditions​  
Terms and conditions No. GC-2012
(effective as of 01.12.2011)