Liability insurance

Protection during operation as well as protection of liability arising from the ownership or possession of immovable property.
For example during the repair of the building, the facade is painted and the painter knocks over the tins of paint.
Driving cars are damaged by paint. Paint also gets onto the windshield of one car, causing the driver to crash. The company that carried out the repair work is liable for damage.

Insured liability arising from professional mistakes of specialists with higher education (doctors, architects, engineers, auditors, certifiers, etc.)

For example, after the construction of the designed garage is completed, it turns out that the doorway is too low and the garage cannot be used for its intended purpose. The door must be rebuilt. The project developer is liable for damage as he did not take into account the requirements specified in the order.

Protection of liability arising from a product (retail products, semi-finished products for other producers). The liability of both the producer and the distributor is covered.
Liability arising from the transferred service (sold only with operational liability insurance) is also covered.

For example, a TV purchased a few days ago lights up and a fire starts damaging the interior of the room. Since this is a defective product, the manufacturer is liable for the damage caused.

The employer's liability in the event of an accident at work with the employee is insured.
For example, during construction work, the builder falls off the scaffolding and breaks his leg. It is an accident at work for which the employer is responsible.

Directors and Officers liability insurance is intended to cover claims arising from management errors of directors and officers of companies (Insured Persons). Directors and Officers liability insurance is a voluntary liability insurance where the insurer compensates claims arising from losses caused by actual or alleged Wrongful Act by an Insured Person and the Insured Person's related expenses.

An Insured Event is any Claim, related to an actual or alleged Wrongful Act, submitted to an Insured Person, a pre-Claim Inquiry, and the Insured Person Extensions or General Insurance Extensions agreed in the Insurance policy (Claims Made trigger).

BTA will pay insurance indemnity only if:

• the Wrongful Act is committed by the Insured Person during the Retroactive period or the Insurance Period;
• the Claim is submitted to the Insured Person or any other Insured Event occurs for the first time within the Insurance Period or within the Discovery Period (if the Discovery Period is applicable).

Insurance service information documents (in estonian)

Professional indemnity liability insurance  
Architect´s and engineer´s professional liability insurance 
Health care provider liability insurance 
General activity´s  liability insurance 
House owners liability insurance 
Product liability insurance 
Employers Liability insurance 
Event organizer´s liability insurance 
Construction company liability insurance
Directors and Officers liability insurance

Insurance Conditions

Liability Insurance General Conditions GTPL 2018.0
Professional indemnity liability insurance conditions PI 2018.1
Architect´s and engineer´s professional liability insurance conditions PI 2018.2
Health care provider liability insurance conditions PI 2018.3
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 conditions GL 2018.8
effective as of  01.10.2018

Directors and Officers Liability Insurance Terms and Conditions No.13.D&O.01
effective as of 17.12.2024

Liability Insurance Conditions​ No. PI 2012.1
effective as of 01.12.2011 to 30.09.2018 (in estonian)

General Insurance Conditions​ No. GC-2012
effective as of 01.12.2011 till 30.09.2018