{"id":10188,"date":"2026-08-18T16:30:34","date_gmt":"2026-08-18T13:30:34","guid":{"rendered":"https:\/\/manramu.lt\/business-insurance\/"},"modified":"2026-09-24T21:57:07","modified_gmt":"2026-09-24T18:57:07","slug":"business-insurance","status":"publish","type":"page","link":"https:\/\/manramu.lt\/en\/business-insurance\/","title":{"rendered":"Business insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10188\" class=\"elementor elementor-10188 elementor-8586\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76a3c2e6 e-con-full e-flex e-con e-parent\" data-id=\"76a3c2e6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7ca58b8e e-flex e-con-boxed e-con e-child\" data-id=\"7ca58b8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4754eaf0 elementor-widget elementor-widget-heading\" data-id=\"4754eaf0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Business insurance in Lithuania<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49cad371 elementor-widget elementor-widget-text-editor\" data-id=\"49cad371\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Business insurance covers several distinct areas of protection: company assets, civil liability towards third parties and employees, goods in transit, and vehicles. &#8220;Man ramu&#8221; helps you select the coverage your business needs and obtains quotes from leading Lithuanian insurers simultaneously. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42d71644 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"42d71644\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Select an insurance area<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a39564e elementor-widget elementor-widget-template\" data-id=\"5a39564e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"5694\" class=\"elementor elementor-5694\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f36dbab mr-trust-insurer-logos mr-trust-insurer-logos--compact elementor-section-content-space-between elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f36dbab\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-34b3e910\" data-id=\"34b3e910\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e680bf6 elementor-widget elementor-widget-ucaddon_logo_grid\" data-id=\"3e680bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_logo_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Logo Grid -->\n<style>\/* widget: Logo Grid *\/\n\n#uc_logo_grid_elementor_3e680bf6 {\n  display: grid;\n}\n#uc_logo_grid_elementor_3e680bf6 .ue-logo-title\n{\n  width:100%;\n  position:absolute;\n  bottom:0;\n  text-align:center;\n  left:0;\n}\n\n#uc_logo_grid_elementor_3e680bf6 div.logo-grid-item\n{\ntext-align:center;\ndisplay:flex;\nflex-direction:column;\njustify-content:center;\nalign-items:center;\noverflow:hidden;\n  position:relative;\n  transition:0.3s;\n\n}\n\n#uc_logo_grid_elementor_3e680bf6 div.logo-grid-item img\n{\nwidth:100%;\n  object-fit: contain;\n  display:block;\n  mix-blend-mode: normal;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  height:100%;\n  transition:0.3s;\n}\n\n\n\n#uc_logo_grid_elementor_3e680bf6 a\n{\n  display:block;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  cursor:pointer;\n  display:flex;\njustify-content:center;\nalign-items:center;\n}\n\n<\/style>\n\n<div id=\"uc_logo_grid_elementor_3e680bf6\" class=\"ue-logo-grid uc-items-wrapper \" >\n\t\t   <div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/balcia-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" title=\"Balcia\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" alt=\"Balcia logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/bta-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/BTA-logo.svg\" title=\"BTA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/06\/BTA-logo.svg\" alt=\"BTA logo\" width=\"150\" height=\"150\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/compensa-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Compensa-logo.svg\" title=\"Compensa\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/Compensa-logo.svg\" alt=\"Compensa-logo\" width=\"142\" height=\"38\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/ergo-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" title=\"Ergo\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" alt=\"ERGO logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/bunda-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/08\/Bunda.svg\" title=\"BUNDA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/08\/Bunda.svg\" alt=\"Baltic Underwriting Agency\" width=\"201\" height=\"66\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/lietuvos-draudimas\/\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" title=\"LD\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" alt=\"LietuvosDraudimas-logo\" width=\"100\" height=\"59\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n\n    <\/div>\n<!-- end Logo Grid -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c86d3d7 e-con-full e-flex e-con e-parent\" data-id=\"3c86d3d7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5f42e2fd e-flex e-con-boxed e-con e-child\" data-id=\"5f42e2fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-201721b6 elementor-widget elementor-widget-heading\" data-id=\"201721b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What do you want to insure?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-609d9b5a elementor-widget elementor-widget-text-editor\" data-id=\"609d9b5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67d4335 e-con-full e-flex e-con e-child\" data-id=\"67d4335\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-52c425c4 e-con-full e-flex e-con e-child\" data-id=\"52c425c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7da0faa7 elementor-widget elementor-widget-heading\" data-id=\"7da0faa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business Property Insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ece32da elementor-widget elementor-widget-text-editor\" data-id=\"6ece32da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Buildings, equipment, and stock \u2014 protection against fire, water, storms, theft, and vandalism.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b1e126c e-con-full e-flex e-con e-child\" data-id=\"5b1e126c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab5ce20 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"ab5ce20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/property\/commercial-property\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15f88a3e elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"15f88a3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/business-property-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79eb9548 e-con-full e-flex e-con e-child\" data-id=\"79eb9548\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b93e4fc elementor-widget elementor-widget-heading\" data-id=\"7b93e4fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">General civil liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-423f321 elementor-widget elementor-widget-text-editor\" data-id=\"423f321\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Damage to third parties arising from your operations, the condition of the premises, or the products supplied.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f39f063 e-con-full e-flex e-con e-child\" data-id=\"6f39f063\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbcf9a1 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"dbcf9a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/liability\/general-commercial-liability\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66ecf3d1 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"66ecf3d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/general-civil-liability\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46b63cb7 e-con-full e-flex e-con e-child\" data-id=\"46b63cb7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b1dc030 elementor-widget elementor-widget-heading\" data-id=\"5b1dc030\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Professional civil liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b7c4c37 elementor-widget elementor-widget-text-editor\" data-id=\"5b7c4c37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Financial losses incurred by the client due to an error in the provision of professional services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-364e03a e-con-full e-flex e-con e-child\" data-id=\"364e03a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c03566b elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"c03566b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/liability\/professional-indemnity\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-722b1541 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"722b1541\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/professional-civil-liability-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a05f32b e-con-full e-flex e-con e-child\" data-id=\"7a05f32b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f4a8aba elementor-widget elementor-widget-heading\" data-id=\"1f4a8aba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Directors and Officers Liability (D&amp;O)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cfa1fa elementor-widget elementor-widget-text-editor\" data-id=\"6cfa1fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Personal liability of executives and board members for management decisions made.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d81fad6 e-con-full e-flex e-con e-child\" data-id=\"2d81fad6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad63873 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"2ad63873\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/liability\/directors-officers\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72839d5a elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"72839d5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/directors-and-officers-liability-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66f2be1a e-con-full e-flex e-con e-child\" data-id=\"66f2be1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77182bd6 elementor-widget elementor-widget-heading\" data-id=\"77182bd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Employer's civil liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-507cadcd elementor-widget elementor-widget-text-editor\" data-id=\"507cadcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Damage to an employee&#8217;s health resulting from a workplace accident is what is not compensated by Sodra.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4512a092 e-con-full e-flex e-con e-child\" data-id=\"4512a092\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75099350 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"75099350\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/employees\/employer-liability\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f4bd6df elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"5f4bd6df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/employers-civil-liability-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18eaeadd e-con-full e-flex e-con e-child\" data-id=\"18eaeadd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24f40e58 elementor-widget elementor-widget-heading\" data-id=\"24f40e58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cargo insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68dcc5bd elementor-widget elementor-widget-text-editor\" data-id=\"68dcc5bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For the cargo itself during transport, the actual value is compensated regardless of fault. Available on a one-off or annual basis. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de405f1 e-con-full e-flex e-con e-child\" data-id=\"de405f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11ab3cef elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"11ab3cef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/cargo-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55e18d89 e-con-full e-flex e-con e-child\" data-id=\"55e18d89\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57844b0e elementor-widget elementor-widget-heading\" data-id=\"57844b0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Carrier's liability (CMR)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6745bf4f elementor-widget elementor-widget-text-editor\" data-id=\"6745bf4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The responsibility of the carrier for the cargo entrusted to him in accordance with the CMR convention and when transporting in Lithuania.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2be11304 e-con-full e-flex e-con e-child\" data-id=\"2be11304\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-692ea60d elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"692ea60d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/fleet\/cmr\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6233b293 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"6233b293\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/carriers-civil-liability-cmr-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d94d787 e-con-full e-flex e-con e-child\" data-id=\"2d94d787\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6adc4005 elementor-widget elementor-widget-heading\" data-id=\"6adc4005\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Corporate vehicle insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51234fd5 elementor-widget elementor-widget-text-editor\" data-id=\"51234fd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Comprehensive (Casco) and compulsory motor third-party liability insurance for the entire fleet \u2014 a single contract covering up to 50 vehicles.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a26933a e-con-full e-flex e-con e-child\" data-id=\"1a26933a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53bac2f0 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"53bac2f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/fleet\/motor-insurance\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5374603a elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"5374603a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/company-car-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2478b13a e-con-full e-flex e-con e-parent\" data-id=\"2478b13a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-65a1c6aa e-flex e-con-boxed e-con e-child\" data-id=\"65a1c6aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18205697 elementor-widget elementor-widget-heading\" data-id=\"18205697\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do you figure out what your business needs?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d00d9c6 elementor-widget elementor-widget-text-editor\" data-id=\"d00d9c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-318f3f53 elementor-widget elementor-widget-text-editor\" data-id=\"318f3f53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>What would you lose if it were gone tomorrow?<\/strong> Buildings, equipment, and inventory\u2014this falls under the scope of property insurance.<\/li><li><strong>Who can you harm?<\/strong> For clients and visitors, contracting parties, and employees. A separate type of civil liability applies to each of these groups. <\/li><li><strong>What is moving in your business?<\/strong> If you transport cargo or manage a fleet of vehicles, risk travels right along with them.<\/li><li><strong>Who is personally liable?<\/strong> The liability of the manager and board members is personal and not limited to the company&#8217;s assets.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7028bb42 elementor-widget elementor-widget-text-editor\" data-id=\"7028bb42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-577cca6c elementor-widget elementor-widget-text-editor\" data-id=\"577cca6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><table style=\"width:100%;border-collapse:collapse;background:#FFFFFF;border-radius:12px\"><thead><tr><th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">Area of \u200b\u200bactivity<\/th> <th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">Most relevant types of insurance<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Transport and Logistics<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\"><a href=\"https:\/\/manramu.lt\/en\/business-insurance\/carriers-civil-liability-cmr-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Carrier Liability (CMR)<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/company-car-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Company Vehicles<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/cargo-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Cargo<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/employers-civil-liability-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Employer&#8217;s Liability<\/a><\/td><br \/><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Trade and Warehousing<\/td><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\"> <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/business-property-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Business Assets<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/general-civil-liability\/\" style=\"color:#00A3B4;text-decoration:underline\">General Liability<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/cargo-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Cargo<\/a><\/td><br \/><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Manufacturing<\/td> <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/business-property-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Business Assets<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/general-civil-liability\/\" style=\"color:#00A3B4;text-decoration:underline\">General Liability Insurance<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/employers-civil-liability-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Employer&#8217;s Liability Insurance<\/a><br \/><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\"><\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Professional Services<\/td> <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/professional-civil-liability-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Professional Liability <\/a>\u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/directors-and-officers-liability-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Directors and Officers Liability<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/general-civil-liability\/\" style=\"color:#00A3B4;text-decoration:underline\">General Liability<\/a><br \/><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\"><\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">IT and Consulting<\/td> <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/professional-civil-liability-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Professional Indemnity<\/a> | <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/directors-and-officers-liability-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Directors&#8217; and Officers&#8217; Liability<\/a> | <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/business-property-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Business Assets<\/a><br \/><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\"><\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Construction and Installation<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\"><a href=\"https:\/\/manramu.lt\/en\/business-insurance\/general-civil-liability\/\" style=\"color:#00A3B4;text-decoration:underline\">General Liability<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/employers-civil-liability-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Employers&#8217; Liability<\/a> \u00b7 <a href=\"https:\/\/manramu.lt\/en\/business-insurance\/business-property-insurance\/\" style=\"color:#00A3B4;text-decoration:underline\">Business Property<\/a> \u00b7 Construction All Risks (CAR) \u00b7 Surety Insurance<\/td><\/tr><\/tbody><\/table><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2709ee32 e-con-full e-flex e-con e-child\" data-id=\"2709ee32\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a0b756a elementor-widget elementor-widget-text-editor\" data-id=\"2a0b756a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>For the construction sector.<\/strong> For construction and installation companies, the most important types of insurance are typically Contractors\u2019 All Risks (CAR) insurance and financial guarantee insurance\u2014covering bid bonds, performance bonds, advance payment bonds, and warranty period bonds.<\/p><p>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. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a771027 e-con-full e-flex e-con e-parent\" data-id=\"7a771027\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a924f70 e-flex e-con-boxed e-con e-child\" data-id=\"a924f70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45c11fe3 elementor-widget elementor-widget-heading\" data-id=\"45c11fe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why choose \"Man ramu\"?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21f92d0 elementor-widget elementor-widget-heading\" data-id=\"21f92d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">An impartial partner for your peace of mind<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-292f878c elementor-widget elementor-widget-text-editor\" data-id=\"292f878c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Offers from Lithuania&#8217;s leading insurers all at once<\/li><li>You compare not only the price but also the scope of coverage and the exclusions.<\/li><li>Questionnaires are tailored to a specific product, without unnecessary questions<\/li><li>We work in your interests, not the insurer&#8217;s.<\/li><li>We administer policies and provide assistance in the event of an insured loss.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64382dc4 e-con-full e-flex e-con e-parent\" data-id=\"64382dc4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1cb64778 e-flex e-con-boxed e-con e-child\" data-id=\"1cb64778\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57402f4 elementor-widget elementor-widget-heading\" data-id=\"57402f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-179b4a56 elementor-widget elementor-widget-n-accordion\" data-id=\"179b4a56\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3960\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-3960\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How does an insurance broker differ from an insurance company? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3960\" class=\"elementor-element elementor-element-2eb3d9f8 e-con-full e-flex e-con e-child\" data-id=\"2eb3d9f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1dca3706 elementor-widget elementor-widget-text-editor\" data-id=\"1dca3706\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">An insurance company offers only its own products. A broker represents you and approaches several insurers simultaneously, allowing you to compare not only prices but also the scope of coverage and lists of excluded events. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3961\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3961\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How much does your service cost? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3961\" class=\"elementor-element elementor-element-1f895dbb e-con-full e-flex e-con e-child\" data-id=\"1f895dbb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12d84016 elementor-widget elementor-widget-text-editor\" data-id=\"12d84016\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Completing the questionnaire and preparing the proposals costs you nothing. The broker&#8217;s fee is paid by the insurer from the insurance premium, so a policy purchased through a broker is not more expensive than purchased directly. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3962\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3962\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How long will it take to receive offers? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3962\" class=\"elementor-element elementor-element-2ed8835d e-con-full e-flex e-con e-child\" data-id=\"2ed8835d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-621846c2 elementor-widget elementor-widget-text-editor\" data-id=\"621846c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">After the questionnaire is completed, the broker typically makes contact within one business day to clarify requirements. The time required to prepare proposals depends on the product and the complexity of the operations. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3963\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3963\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can I insure multiple products at the same time? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3963\" class=\"elementor-element elementor-element-116b2af6 e-con-full e-flex e-con e-child\" data-id=\"116b2af6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66e59dad elementor-widget elementor-widget-text-editor\" data-id=\"66e59dad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Yes. Each questionnaire is filled out separately, but the broker will consolidate all requirements into a single package and align the contract dates so that renewals occur simultaneously. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3964\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3964\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does the inquiry place me under any obligation? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3964\" class=\"elementor-element elementor-element-4429bc79 e-con-full e-flex e-con e-child\" data-id=\"4429bc79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35e6b2aa elementor-widget elementor-widget-text-editor\" data-id=\"35e6b2aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">No. Filling out the questionnaire is merely a request for proposals. You make your decision after seeing all the terms and prices, and you can decline at any stage.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3965\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3965\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How do you choose which insurers to send an inquiry to? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3965\" class=\"elementor-element elementor-element-59891ad2 e-con-full e-flex e-con e-child\" data-id=\"59891ad2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54967474 elementor-widget elementor-widget-text-editor\" data-id=\"54967474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">It depends on the nature of your business and your risk profile. Not all insurers cover every type of activity, and some offer significantly better terms in specific areas\u2014which is precisely where a broker\u2019s role comes in. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3966\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3966\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What should I do if I cannot find the required insurance questionnaire? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3966\" class=\"elementor-element elementor-element-71d0cf23 e-con-full e-flex e-con e-child\" data-id=\"71d0cf23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2323fedc elementor-widget elementor-widget-text-editor\" data-id=\"2323fedc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Contact us. Questionnaires are not yet available for some products\u2014such as Construction All Risks (CAR) insurance or surety insurance\u2014but we prepare proposals for them through the standard process. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3967\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3967\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What happens when I select an offer? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-down-icon lucide-chevron-down\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#00a3b4\" stroke-width=\"1.25\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right-icon lucide-chevron-right\"><path d=\"m9 18 6-6-6-6\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3967\" class=\"elementor-element elementor-element-729f42b0 e-con-full e-flex e-con e-child\" data-id=\"729f42b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a25e743 elementor-widget elementor-widget-text-editor\" data-id=\"5a25e743\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">The broker prepares the contract for signature and coordinates the payment arrangements with the insurer. Subsequently, we administer the policy: we send renewal reminders and provide assistance in the event of an insured loss. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How does an insurance broker differ from an insurance company?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"An insurance company offers only its own products. A broker represents you and approaches several insurers simultaneously, allowing you to compare not only prices but also the scope of coverage and lists of excluded events.\"}},{\"@type\":\"Question\",\"name\":\"How much does your service cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Completing the questionnaire and preparing the proposals costs you nothing. The broker&#8217;s fee is paid by the insurer from the insurance premium, so a policy purchased through a broker is not more expensive than purchased directly.\"}},{\"@type\":\"Question\",\"name\":\"How long will it take to receive offers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"After the questionnaire is completed, the broker typically makes contact within one business day to clarify requirements. The time required to prepare proposals depends on the product and the complexity of the operations.\"}},{\"@type\":\"Question\",\"name\":\"Can I insure multiple products at the same time?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Each questionnaire is filled out separately, but the broker will consolidate all requirements into a single package and align the contract dates so that renewals occur simultaneously.\"}},{\"@type\":\"Question\",\"name\":\"Does the inquiry place me under any obligation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Filling out the questionnaire is merely a request for proposals. You make your decision after seeing all the terms and prices, and you can decline at any stage.\"}},{\"@type\":\"Question\",\"name\":\"How do you choose which insurers to send an inquiry to?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on the nature of your business and your risk profile. Not all insurers cover every type of activity, and some offer significantly better terms in specific areas\\u2014which is precisely where a broker\\u2019s role comes in.\"}},{\"@type\":\"Question\",\"name\":\"What should I do if I cannot find the required insurance questionnaire?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Contact us. Questionnaires are not yet available for some products\\u2014such as Construction All Risks (CAR) insurance or surety insurance\\u2014but we prepare proposals for them through the standard process.\"}},{\"@type\":\"Question\",\"name\":\"What happens when I select an offer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The broker prepares the contract for signature and coordinates the payment arrangements with the insurer. Subsequently, we administer the policy: we send renewal reminders and provide assistance in the event of an insured loss.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-522ea6d4 e-con-full e-flex e-con e-parent\" data-id=\"522ea6d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-48b6183c e-flex e-con-boxed e-con e-child\" data-id=\"48b6183c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a588d elementor-widget elementor-widget-heading\" data-id=\"b3a588d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Protect your business<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58b192a0 elementor-widget elementor-widget-text-editor\" data-id=\"58b192a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fill out the questionnaire \u2014 you will receive offers from the main Lithuanian insurers. The request is non-binding. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ccf38b7 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"2ccf38b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">proceed<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21ca6530 elementor-widget elementor-widget-text-editor\" data-id=\"21ca6530\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><small>We store and use your data solely for the purpose of preparing a proposal.<\/small><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Business insurance for small and medium-sized enterprises in Lithuania. Property, liability, employee, cargo, and transport insurance. 6 insurers.  <\/p>\n","protected":false},"author":2,"featured_media":10187,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10188","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Business Insurance for Companies in Lithuania | Man ramu<\/title>\n<meta name=\"description\" content=\"Property, civil liability, cargo, and transport insurance for business. 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