Business insurance in Lithuania
Business insurance covers several distinct areas of protection: company assets, civil liability towards third parties and employees, goods in transit, and vehicles. “Man ramu” helps you select the coverage your business needs and obtains quotes from leading Lithuanian insurers simultaneously.
What do you want to insure?
Each page explains what the product protects against, what it does not cover, and what determines the price. If you already know what you need, you can fill out the questionnaire right away.
Business Property Insurance
Buildings, equipment, and stock — protection against fire, water, storms, theft, and vandalism.
General civil liability
Damage to third parties arising from your operations, the condition of the premises, or the products supplied.
Professional civil liability
Financial losses incurred by the client due to an error in the provision of professional services.
Directors and Officers Liability (D&O)
Personal liability of executives and board members for management decisions made.
Employer's civil liability
Damage to an employee’s health resulting from a workplace accident is what is not compensated by Sodra.
Cargo insurance
For the cargo itself during transport, the actual value is compensated regardless of fault. Available on a one-off or annual basis.
Carrier's liability (CMR)
The responsibility of the carrier for the cargo entrusted to him in accordance with the CMR convention and when transporting in Lithuania.
Corporate vehicle insurance
Comprehensive (Casco) and compulsory motor third-party liability insurance for the entire fleet — a single contract covering up to 50 vehicles.
How do you figure out what your business needs?
The easiest way to identify your insurance needs is not by looking at product names, but by answering four questions about your business activities. Answering them usually reveals two or three key areas, while the rest prove to be of secondary importance.
- What would you lose if it were gone tomorrow? Buildings, equipment, and inventory—this falls under the scope of property insurance.
- Who can you harm? For clients and visitors, contracting parties, and employees. A separate type of civil liability applies to each of these groups.
- What is moving in your business? If you transport cargo or manage a fleet of vehicles, risk travels right along with them.
- Who is personally liable? The liability of the manager and board members is personal and not limited to the company’s assets.
The second filter consists of external requirements. Leasing and bank agreements often mandate asset or comprehensive (Casco) insurance; clients specify minimum civil liability coverage in construction contracts; and certain professions are required by law to carry insurance. It is worth checking these requirements first, as they often determine the choice.
| Area of activity | Most relevant types of insurance |
|---|---|
| Transport and Logistics | Carrier Liability (CMR) · Company Vehicles · Cargo · Employer’s Liability |
| Trade and Warehousing | Business Assets · General Liability · Cargo |
| Manufacturing | Business Assets · General Liability Insurance · Employer’s Liability Insurance|
| Professional Services | Professional Liability · Directors and Officers Liability · General Liability|
| IT and Consulting | Professional Indemnity | Directors’ and Officers’ Liability | Business Assets|
| Construction and Installation | General Liability · Employers’ Liability · Business Property · Construction All Risks (CAR) · Surety Insurance |
For the construction sector. For construction and installation companies, the most important types of insurance are typically Contractors’ All Risks (CAR) insurance and financial guarantee insurance—covering bid bonds, performance bonds, advance payment bonds, and warranty period bonds.
There are currently no questionnaires for these products, but we prepare proposals for them using the standard procedure. Please write to us, specifying the project, the contract value, and the timeframes.
Why choose "Man ramu"?
An impartial partner for your peace of mind
- Offers from Lithuania’s leading insurers all at once
- You compare not only the price but also the scope of coverage and the exclusions.
- Questionnaires are tailored to a specific product, without unnecessary questions
- We work in your interests, not the insurer’s.
- We administer policies and provide assistance in the event of an insured loss.
Frequently Asked Questions
How does an insurance broker differ from an insurance company?
How much does your service cost?
How long will it take to receive offers?
Can I insure multiple products at the same time?
Does the inquiry place me under any obligation?
How do you choose which insurers to send an inquiry to?
What should I do if I cannot find the required insurance questionnaire?
What happens when I select an offer?
Protect your business
Fill out the questionnaire — you will receive offers from the main Lithuanian insurers. The request is non-binding.
We store and use your data solely for the purpose of preparing a proposal.