{"id":10204,"date":"2026-09-07T01:21:10","date_gmt":"2026-09-06T22:21:10","guid":{"rendered":"https:\/\/manramu.lt\/business-insurance\/general-civil-liability\/"},"modified":"2026-09-23T15:36:15","modified_gmt":"2026-09-23T12:36:15","slug":"general-civil-liability","status":"publish","type":"page","link":"https:\/\/manramu.lt\/en\/business-insurance\/general-civil-liability\/","title":{"rendered":"General civil liability"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10204\" class=\"elementor elementor-10204 elementor-9311\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e26b1c e-con-full e-flex e-con e-parent\" data-id=\"5e26b1c\" 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-459619d6 mr-conversion-product-start e-flex e-con-boxed e-con e-child\" data-id=\"459619d6\" 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-352da871 elementor-widget elementor-widget-heading\" data-id=\"352da871\" 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\">General civil liability insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f4f4e0f elementor-widget elementor-widget-text-editor\" data-id=\"1f4f4e0f\" 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>General civil liability insurance covers damages your company causes to third parties\u2014specifically, harm to their health or property. Coverage extends to damages arising from business operations, the condition of premises, and products sold, as well as legal defense costs. <\/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-7fefb785 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"7fefb785\" 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\">Fill out the questionnaire<\/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-1d86182e elementor-widget elementor-widget-template\" data-id=\"1d86182e\" 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  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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-2f68edb3 e-con-full e-flex e-con e-parent\" data-id=\"2f68edb3\" 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-34f79483 e-flex e-con-boxed e-con e-child\" data-id=\"34f79483\" 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-4a6a86cb elementor-widget elementor-widget-heading\" data-id=\"4a6a86cb\" 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\">Who is this insurance relevant for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-510c9eba elementor-widget elementor-widget-text-editor\" data-id=\"510c9eba\" 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>Civil liability insurance is relevant for almost every company whose operations involve other people\u2014such as clients, visitors, contracting parties, or subcontractors. It is also frequently required by clients themselves in service contracts and public procurement procedures. <\/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-67e03b0e mr-comparison-paired-list e-con-full e-flex e-con e-child\" data-id=\"67e03b0e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4f4cf333 e-con-full e-flex e-con e-child\" data-id=\"4f4cf333\" 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-79505c61 elementor-widget elementor-widget-heading\" data-id=\"79505c61\" 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\">Relevant if your company<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-183ab059 elementor-widget elementor-widget-text-editor\" data-id=\"183ab059\" 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>receives clients or visitors on their premises<\/li><li>works at the client&#8217;s sites or premises<\/li><li>manufactures, imports or distributes goods<\/li><li>engages subcontractors<\/li><li>participates in public procurement or construction tenders<\/li><li>takes possession of client property \u2014 for repair, storage, or servicing<\/li><\/ul>\t\t\t\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-2ec93a17 e-con-full e-flex e-con e-child\" data-id=\"2ec93a17\" 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-6a272c15 elementor-widget elementor-widget-heading\" data-id=\"6a272c15\" 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\">Probably not relevant if<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21056944 elementor-widget elementor-widget-text-editor\" data-id=\"21056944\" 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>Activities are carried out solely remotely, without contact with clients&#8217; property or premises.<\/li><li>you provide only consulting services \u2014 then professional liability is more relevant<\/li><li>You do not have customer traffic or production operations, and you do not work at external sites.<\/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-2ed93de4 elementor-widget elementor-widget-text-editor\" data-id=\"2ed93de4\" 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>In practice, there are few companies that operate entirely without civil liability risk. More often, the question is not &#8220;is it necessary,&#8221; but rather &#8220;what level of insurance coverage is required.&#8221; <\/small><\/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<\/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-45d4805d e-con-full e-flex e-con e-parent\" data-id=\"45d4805d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-45978445 e-flex e-con-boxed e-con e-child\" data-id=\"45978445\" 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-51ff07eb elementor-widget elementor-widget-heading\" data-id=\"51ff07eb\" 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 does civil liability insurance protect against?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42fe4e0a elementor-widget elementor-widget-text-editor\" data-id=\"42fe4e0a\" 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 insurance covers damages to third parties\u2014bodily injury, property damage, and related losses. It also covers legal defense and damage assessment costs, even if the claim is ultimately found to be unfounded. <\/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-157939de mr-comparison-paired-list e-con-full e-flex e-con e-child\" data-id=\"157939de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-78285a14 e-con-full e-flex e-con e-child\" data-id=\"78285a14\" 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-503cd57 elementor-widget elementor-widget-heading\" data-id=\"503cd57\" 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\">Standard protection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d2338ea elementor-widget elementor-widget-text-editor\" data-id=\"2d2338ea\" 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>Harm to a visitor&#8217;s or client&#8217;s health on your premises<\/li><li>Damage to the client&#8217;s property while working at their site<\/li><li>Damage caused by manufactured or sold products<\/li><li>Damage to rented premises<\/li><li>Legal defense and expert assessment costs<\/li><\/ul>\t\t\t\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-835d407 e-con-full e-flex e-con e-child\" data-id=\"835d407\" 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-4ab438f1 elementor-widget elementor-widget-heading\" data-id=\"4ab438f1\" 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\">Can be expanded separately.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d368552 elementor-widget elementor-widget-text-editor\" data-id=\"6d368552\" 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>Entrusted property \u2014 clients&#8217; items in your care<\/li><li>Damage caused by subcontractors<\/li><li>Non-pecuniary damage<\/li><li>Product liability for exports to the EU or third countries<\/li><li>Operations abroad \u2014 territorial expansion of protection<\/li><\/ul>\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 class=\"elementor-element elementor-element-3cd2002b elementor-widget elementor-widget-text-editor\" data-id=\"3cd2002b\" 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 scope of coverage is determined by two parameters: the sum insured per event and the annual aggregate\u2014the total amount payable over the entire insurance period.<\/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<div class=\"elementor-element elementor-element-500379e5 e-con-full e-flex e-con e-parent\" data-id=\"500379e5\" 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-14bb11e4 e-flex e-con-boxed e-con e-child\" data-id=\"14bb11e4\" 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-5e969560 elementor-widget elementor-widget-heading\" data-id=\"5e969560\" 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 does this insurance typically not cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43aa6fa5 elementor-widget elementor-widget-text-editor\" data-id=\"43aa6fa5\" 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>Insurance does not cover damage to your own property, failure to fulfill contractual obligations, or fines and penalties. Environmental pollution and professional errors are generally not included in standard coverage\u2014they require separate solutions. <\/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-4a8e24e5 mr-comparison-paired-list e-con-full e-flex e-con e-child\" data-id=\"4a8e24e5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-52b71f97 e-con-full e-flex e-con e-child\" data-id=\"52b71f97\" 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-598a0fc7 elementor-widget elementor-widget-heading\" data-id=\"598a0fc7\" 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\">Not included in the coverage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a216466 elementor-widget elementor-widget-text-editor\" data-id=\"7a216466\" 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>Damage to one&#8217;s own and employees&#8217; property<\/li><li>Contractual penalties, liquidated damages, and late payment interest<\/li><li>Costs of reworking poorly performed work<\/li><li>Intentional actions and conscious disregard of risk<\/li><li>Environmental pollution without a separate surcharge<\/li><li>Cyber \u200b\u200bincidents and data breaches<\/li><\/ul>\t\t\t\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-1e0b892e e-con-full e-flex e-con e-child\" data-id=\"1e0b892e\" 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-55671781 elementor-widget elementor-widget-heading\" data-id=\"55671781\" 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\">Covered by separate products<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d2ac82e elementor-widget elementor-widget-text-editor\" data-id=\"3d2ac82e\" 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>Professional errors \u2192 professional civil liability<\/li><li>Harm to employee&#8217;s health \u2192 employer&#8217;s civil liability<\/li><li>Executive management solutions \u2192 Directors and Officers (D&amp;O) liability<\/li><li>Own assets \u2192 business property insurance<\/li><li>Environmental pollution \u2192 environmental pollution liability insurance<\/li><\/ul>\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-3f78e248 e-con-full e-flex e-con e-child\" data-id=\"3f78e248\" 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-71b42a0d elementor-widget elementor-widget-text-editor\" data-id=\"71b42a0d\" 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>Environmental pollution is a common misunderstanding.<\/strong> The Environmental Protection Act provides for responsibility for environmental restoration costs, which can reach hundreds of thousands of euros. A standard liability policy does not cover this risk. If your operation involves the use of chemicals, fuels or hazardous waste, this is worth discussing separately.  <\/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-26218a16 e-con-full e-flex e-con e-parent\" data-id=\"26218a16\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-302845b e-flex e-con-boxed e-con e-child\" data-id=\"302845b\" 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-183644c elementor-widget elementor-widget-heading\" data-id=\"183644c\" 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 determines the price of civil liability insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10f669b2 elementor-widget elementor-widget-text-editor\" data-id=\"10f669b2\" 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 price is determined by the selected sum insured, the nature of operations and turnover, the number of employees, the geographical scope of coverage, claims history, and the deductible. The sum insured and the level of operational risk usually have the greatest impact. <\/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-44d7a810 elementor-widget elementor-widget-text-editor\" data-id=\"44d7a810\" 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>Sum insured and annual aggregate.<\/strong> The main factor affecting the price: increasing the amount from \u20ac100,000 to \u20ac500,000 usually costs significantly less than expected. <\/li><li><strong>Nature of activities.<\/strong> Construction, manufacturing, and the food supply chain are subject to stricter assessment than office or retail activities.<\/li><li><strong>Annual turnover and number of employees.<\/strong> They are used as indicators of the scale of operations.<\/li><li><strong>Geographical scope.<\/strong> Lithuania, the EU, or the world. Exports to third countries require territorial expansion and are assessed separately. <\/li><li><strong>Production risk.<\/strong> Whether the product comes into contact with the consumer, whether it bears the CE mark, and the markets to which it is supplied.<\/li><li><strong>Use of subcontractors.<\/strong> Their inclusion expands coverage and increases the premium.<\/li><li><strong>History of claims.<\/strong> Vertinami paskutiniai penkeri metai.<\/li><li><strong>Deduction.<\/strong> A higher deductible lowers the premium, but you will have to cover small claims yourself.<\/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-2b742cde e-con-full e-flex e-con e-parent\" data-id=\"2b742cde\" 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-28701eff e-flex e-con-boxed e-con e-child\" data-id=\"28701eff\" 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-11e9449b elementor-widget elementor-widget-heading\" data-id=\"11e9449b\" 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 to decide before taking out insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2572bb7e elementor-widget elementor-widget-text-editor\" data-id=\"2572bb7e\" 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 most important decision is the coverage amount. It determines whether a serious incident will be covered in full or only partially. <\/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-6ecd2f7e elementor-widget elementor-widget-text-editor\" data-id=\"6ecd2f7e\" 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>Amount per event.<\/strong> It must correspond to the maximum realistically possible damage, not the average.<\/li><li><strong>Annual aggregate.<\/strong> Annual aggregate limit. Several incidents could exhaust it sooner than you expect. <\/li><li><strong>Contractual requirements.<\/strong> Check whether the client contracts specify a minimum insurance amount\u2014this often determines the choice.<\/li><li><strong>Subcontractors.<\/strong> If you use them, consider including them in the policy.<\/li><li><strong>Entrusted property.<\/strong> This is relevant if you take possession of clients&#8217; belongings\u2014without a separate add-on, this risk remains uncovered.<\/li><li><strong>Geographical scope.<\/strong> If you are planning exports or operations abroad, it is worth including this right from the start.<\/li><li><strong>Deduction.<\/strong> Choose an amount that the company can cover without difficulty.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37297df4 e-con-full e-flex e-con e-child\" data-id=\"37297df4\" 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-1043684 elementor-widget elementor-widget-text-editor\" data-id=\"1043684\" 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>Why \u20ac100,000 is often too little.<\/strong> A single average incident\u2014such as a fire on a client&#8217;s premises caused by equipment you installed\u2014could exceed this amount. The company would have to cover the shortfall. For an active business, a limit of at least \u20ac300,000\u2013\u20ac500,000 is generally recommended.  <\/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-1249a315 e-con-full e-flex e-con e-parent\" data-id=\"1249a315\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-761b5554 e-flex e-con-boxed e-con e-child\" data-id=\"761b5554\" 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-2a58892d elementor-widget elementor-widget-heading\" data-id=\"2a58892d\" 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 you will need to fill out the questionnaire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34eb2c19 elementor-widget elementor-widget-text-editor\" data-id=\"34eb2c19\" 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>We will retrieve the company name, address, and NACE code from the Centre of Registers\u2014you simply need to enter the company code. It is useful to have the following ready in advance: <\/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-12a17893 elementor-widget elementor-widget-text-editor\" data-id=\"12a17893\" 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>A description of activities \u2014 specifically what the company does and to what extent.<\/li><li>Annual turnover and number of employees<\/li><li>The desired sum insured and annual aggregate limit<\/li><li>Geographical scope of protection \u2014 Lithuania, the EU, or broader<\/li><li>Information about subcontractors, if you engage them<\/li><li>Claims and lawsuits over the past five years<\/li><li>Details of the existing policy, if valid \u2014 insurer, amount, and expiration date.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-194d68a7 mr-notice-important e-con-full e-flex e-con e-child\" data-id=\"194d68a7\" 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-6c29b52a elementor-widget elementor-widget-text-editor\" data-id=\"6c29b52a\" 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>Important.<\/strong> If you currently have an unresolved claim or an active lawsuit, you must declare it before taking out the policy. Failure to do so could render the policy invalid for any future claims\u2014a consequence far costlier than a higher premium. <\/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<div class=\"elementor-element elementor-element-1d3c13e9 elementor-widget elementor-widget-text-editor\" data-id=\"1d3c13e9\" 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 questionnaire takes about 6\u20138 minutes to complete. You can skip any fields that are unclear\u2014the broker will clarify them. <\/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-b61966a elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"b61966a\" 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\">Fill out the questionnaire<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef7e9da e-con-full e-flex e-con e-parent\" data-id=\"ef7e9da\" 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-414b49b3 mr-faq-group e-flex e-con-boxed e-con e-child\" data-id=\"414b49b3\" 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-1bf502 elementor-widget elementor-widget-heading\" data-id=\"1bf502\" 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-4be964f1 elementor-widget elementor-widget-n-accordion\" data-id=\"4be964f1\" 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-1270\" 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-1270\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is civil liability insurance mandatory? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1270\" class=\"elementor-element elementor-element-16c9bde9 e-con-full e-flex e-con e-child\" data-id=\"16c9bde9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a07ba10 elementor-widget elementor-widget-text-editor\" data-id=\"5a07ba10\" 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 is not required for general business operations. However, many clients demand it in construction and service contracts as well as in public procurement specifications. For specific activities (such as construction), insurance is mandatory under the law.  <\/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-1271\" 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-1271\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What insurance amount is sufficient? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1271\" class=\"elementor-element elementor-element-6bcb5b3d e-con-full e-flex e-con e-child\" data-id=\"6bcb5b3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-742aa1c6 elementor-widget elementor-widget-text-editor\" data-id=\"742aa1c6\" 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\">Depends on the activity and contractual requirements. For an active company, \u20ac100,000 is often too little \u2014 one average case may exceed this amount. In practice, it is usually between \u20ac300,000 and \u20ac1,000,000.  <\/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-1272\" 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-1272\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is the difference between general and professional civil liability? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1272\" class=\"elementor-element elementor-element-c6fd4f e-con-full e-flex e-con e-child\" data-id=\"c6fd4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7842a407 elementor-widget elementor-widget-text-editor\" data-id=\"7842a407\" 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\">General liability covers physical harm\u2014personal injury or property damage. Professional liability covers financial losses resulting from errors in service provision, such as faulty advice, design defects, or accounting errors. <\/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-1273\" 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-1273\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does the insurance cover damage caused by subcontractors? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1273\" class=\"elementor-element elementor-element-31032234 e-con-full e-flex e-con e-child\" data-id=\"31032234\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45d45bda elementor-widget elementor-widget-text-editor\" data-id=\"45d45bda\" 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\">Not automatically. Subcontractor liability is usually included via a separate policy endorsement. If you use subcontractors, you must specify this in the questionnaire; otherwise, damages may go uncompensated.  <\/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-1274\" 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-1274\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is damage to clients' property in my care covered? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1274\" class=\"elementor-element elementor-element-3dda6784 e-con-full e-flex e-con e-child\" data-id=\"3dda6784\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-659cbb12 elementor-widget elementor-widget-text-editor\" data-id=\"659cbb12\" 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\">This is known as &#8220;entrusted property risk.&#8221; It is usually not included in standard coverage and is added separately. It is relevant for repair, storage, maintenance, and servicing activities.  <\/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-1275\" 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-1275\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is the insurance valid while working abroad? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1275\" class=\"elementor-element elementor-element-10f6b53a e-con-full e-flex e-con e-child\" data-id=\"10f6b53a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d8c0fa1 elementor-widget elementor-widget-text-editor\" data-id=\"1d8c0fa1\" 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\">Standard coverage typically extends to Lithuania or the European Economic Area. Exports to third countries or operations outside the EU require a separate territorial extension. <\/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-1276\" 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-1276\" >\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 already have an unresolved claim? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1276\" class=\"elementor-element elementor-element-6cbd0fec e-con-full e-flex e-con e-child\" data-id=\"6cbd0fec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bfdd335 elementor-widget elementor-widget-text-editor\" data-id=\"4bfdd335\" 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 must be declared before taking out or renewing the policy. Failure to declare it can render the policy invalid for all future claims; consequently, withholding this information costs far more than paying a higher premium. <\/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-1277\" 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-1277\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does civil liability insurance cover environmental pollution? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1277\" class=\"elementor-element elementor-element-369afff5 e-con-full e-flex e-con e-child\" data-id=\"369afff5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79de0be5 elementor-widget elementor-widget-text-editor\" data-id=\"79de0be5\" 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\">Generally, no. A standard policy does not cover pollution risk\u2014this requires separate environmental pollution liability insurance or a special endorsement. <\/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\":\"Is civil liability insurance mandatory?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is not required for general business operations. However, many clients demand it in construction and service contracts as well as in public procurement specifications. For specific activities (such as construction), insurance is mandatory under the law.\"}},{\"@type\":\"Question\",\"name\":\"What insurance amount is sufficient?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depends on the activity and contractual requirements. For an active company, \\u20ac100,000 is often too little \\u2014 one average case may exceed this amount. In practice, it is usually between \\u20ac300,000 and \\u20ac1,000,000.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between general and professional civil liability?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"General liability covers physical harm\\u2014personal injury or property damage. Professional liability covers financial losses resulting from errors in service provision, such as faulty advice, design defects, or accounting errors.\"}},{\"@type\":\"Question\",\"name\":\"Does the insurance cover damage caused by subcontractors?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not automatically. Subcontractor liability is usually included via a separate policy endorsement. If you use subcontractors, you must specify this in the questionnaire; otherwise, damages may go uncompensated.\"}},{\"@type\":\"Question\",\"name\":\"Is damage to clients' property in my care covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This is known as &#8220;entrusted property risk.&#8221; It is usually not included in standard coverage and is added separately. It is relevant for repair, storage, maintenance, and servicing activities.\"}},{\"@type\":\"Question\",\"name\":\"Is the insurance valid while working abroad?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Standard coverage typically extends to Lithuania or the European Economic Area. Exports to third countries or operations outside the EU require a separate territorial extension.\"}},{\"@type\":\"Question\",\"name\":\"What should I do if I already have an unresolved claim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It must be declared before taking out or renewing the policy. Failure to declare it can render the policy invalid for all future claims; consequently, withholding this information costs far more than paying a higher premium.\"}},{\"@type\":\"Question\",\"name\":\"Does civil liability insurance cover environmental pollution?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally, no. A standard policy does not cover pollution risk\\u2014this requires separate environmental pollution liability insurance or a special endorsement.\"}}]}<\/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-49a6c9b8 e-con-full e-flex e-con e-parent\" data-id=\"49a6c9b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-609560b8 e-flex e-con-boxed e-con e-child\" data-id=\"609560b8\" 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-4da9981c elementor-widget elementor-widget-heading\" data-id=\"4da9981c\" 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\">Related insurance products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23127906 elementor-widget elementor-widget-text-editor\" data-id=\"23127906\" 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>General civil liability covers physical harm to third parties. These products cover areas that fall outside that scope. <\/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-483f464c e-con-full e-flex e-con e-child\" data-id=\"483f464c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bd6a9e0 e-con-full e-flex e-con e-child\" data-id=\"bd6a9e0\" 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-5d6a020 elementor-widget elementor-widget-heading\" data-id=\"5d6a020\" 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-67490c8b elementor-widget elementor-widget-text-editor\" data-id=\"67490c8b\" 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>Financial losses due to errors in the provision of professional services<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44ccd2de e-con-full e-flex e-con e-child\" data-id=\"44ccd2de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b075043 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"7b075043\" 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>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35ba7944 e-con-full e-flex e-con e-child\" data-id=\"35ba7944\" 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-30560672 elementor-widget elementor-widget-heading\" data-id=\"30560672\" 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-4930bc50 elementor-widget elementor-widget-text-editor\" data-id=\"4930bc50\" 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>Damage to an employee&#8217;s health in the event of an accident at work<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b4464e1 e-con-full e-flex e-con e-child\" data-id=\"5b4464e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-514085f2 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"514085f2\" 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>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3139d740 e-con-full e-flex e-con e-child\" data-id=\"3139d740\" 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-7a5c4d6e elementor-widget elementor-widget-heading\" data-id=\"7a5c4d6e\" 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-538e2d62 elementor-widget elementor-widget-text-editor\" data-id=\"538e2d62\" 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>Asmenin\u0117 vadov\u0173 atsakomyb\u0117 u\u017e priimtus valdymo sprendimus<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60293ba7 e-con-full e-flex e-con e-child\" data-id=\"60293ba7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-280895a5 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"280895a5\" 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>\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-16bebce1 e-con-full e-flex e-con e-parent\" data-id=\"16bebce1\" 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-356539bb e-flex e-con-boxed e-con e-child\" data-id=\"356539bb\" 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-268770c3 elementor-widget elementor-widget-heading\" data-id=\"268770c3\" 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 yourself against claims<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b8fe1a8 elementor-widget elementor-widget-text-editor\" data-id=\"7b8fe1a8\" 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-ede07ef elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"ede07ef\" 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\">Fill out the questionnaire<\/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-654939fb elementor-widget elementor-widget-text-editor\" data-id=\"654939fb\" 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>What civil liability insurance covers, the required coverage amount, and what is excluded. Get quotes from Lithuanian insurers. <\/p>\n","protected":false},"author":2,"featured_media":10189,"parent":10188,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10204","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>General Civil Liability Insurance in Lithuania | Peace of Mind<\/title>\n<meta name=\"description\" content=\"What civil liability insurance covers, the required coverage amount, and what is excluded. 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