LHV liability insurance
General third party liability insurance gives entrepreneurs peace of mind, knowing that the unexpected in daily business operations will be resolved quickly and smoothly. If your company has caused unintentional damage to your customers, fellow lessees or third parties, we will take care of the claims and reimbursement.
The employer’s liability insurance provides insurance cover for an employer in the event of an accident at work or an occupational disease and the employer has a legal obligation to reimburse the employee.
- We will insure your company’s liability and help to indemnify unexpected damage claims.
- We offer a range of liability insurance cover extensions.
- We do not apply an insurance deductible for reimbursing legal expenses.
General third party liability insurance cover
The general third party liability insurance cover is among others needed by property owners and managers, service providers, industrial companies, educational and leisure institutions and shopping centres. We will reimburse for material damage caused to a third party in the course of an activity covered by the insurance policy.
General third party liability insurance cover
Extensions to the insurance cover
Employer’s liability insurance
The employer’s liability insurance is needed by all employers, as accidents at work and occupational diseases do not only affect manual workers. We will reimburse the employer for claims made by an employee for compensation for material damage caused by an accident at work during the insurance period or a medical diagnosis of on occupational diseases in the event of additional coverage.
Extensions to the insurance cover
Risk mitigation
How does the general third party liability insurance help to mitigate business risks?
On the basis of the LHV general third party liability insurance contract, we reimburse third party claims against the company for material damage caused by the company’s activities. We also reimburse the legal assistance and expert costs of damage claims.
Why insure yourself as a property owner?
Owners of immovable property and the buildings on it have a legal obligation to ensure the safety of their buildings and structures and the upkeep of the property. For example, the owner is liable for damage to parts of a building, including the falling of icicles and snow.
In the event of an insured event, we will reimburse claims from third parties and related legal assistance and expert fees.
What kind of damages may an employer receive?
An accident at work or an occupational disease can result in significant material damage to an employee. In the event of an accident or occupational disease involving an employee, the employer has a legal liability and an obligation to reimburse the employee for the damage suffered.
Under an employer’s liability insurance contract, we will reimburse claims made against the employer based on an accident at work or an occupational disease diagnosed in the employee.
Important information
Please notify us of any increase in insurance risk as soon as possible. To do this, please call 699 9111 or send an email to kindlustus@lhv.ee.
Examples of an increase in insurance risk are:
- changes in the company’s business activities;
- construction work on the insurance site;
- changes in the number of employees and the turnover forecast.
Damage assistance and prevention
We will reimburse the legal costs of claims against your company, even if the claim is later determined to be unfounded. We do not apply an insurance deductible for legal assistance costs.
For initial assistance, please call LHV damage assistance on 680 1122.
If you do not need immediate help, please notify us as soon as possible. To do this, please send a damage report through our website, call 680 1122 or email kahjud@lhv.ee.
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Ask for advice
Call us at 699 9111 Mon–Fri 9–17 or email us at kindlustus@lhv.ee
Report a claim
Call us at 680 1122 or email us at kahjud@lhv.ee
Damage assistance
To call damage assistance, call 680 1122 any time, 24 hours a day
