{"id":10208,"date":"2026-09-17T21:14:21","date_gmt":"2026-09-17T18:14:21","guid":{"rendered":"https:\/\/manramu.lt\/business-insurance\/employers-civil-liability-insurance\/"},"modified":"2026-09-24T21:57:12","modified_gmt":"2026-09-24T18:57:12","slug":"employers-civil-liability-insurance","status":"publish","type":"page","link":"https:\/\/manramu.lt\/en\/business-insurance\/employers-civil-liability-insurance\/","title":{"rendered":"Employer&#8217;s civil liability insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10208\" class=\"elementor elementor-10208 elementor-9669\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42c6a868 e-con-full e-flex e-con e-parent\" data-id=\"42c6a868\" 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-6d354b72 e-flex e-con-boxed e-con e-child\" data-id=\"6d354b72\" 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-5a5c172c elementor-widget elementor-widget-heading\" data-id=\"5a5c172c\" 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\">Employer's 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-aedf4fd elementor-widget elementor-widget-text-editor\" data-id=\"aedf4fd\" 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>This insurance compensates an employee or their family for damages when the employee suffers an injury or dies due to an accident at work or while commuting to or from work, and the employer is liable for the incident. The coverage extends to losses not compensated by mandatory social insurance. <\/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-14c57566 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"14c57566\" 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\">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-4f03deaf elementor-widget elementor-widget-template\" data-id=\"4f03deaf\" 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-65363ae7 e-con-full e-flex e-con e-parent\" data-id=\"65363ae7\" 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-1bead58a e-flex e-con-boxed e-con e-child\" data-id=\"1bead58a\" 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-2bd33fe8 elementor-widget elementor-widget-heading\" data-id=\"2bd33fe8\" 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-321fc10f elementor-widget elementor-widget-text-editor\" data-id=\"321fc10f\" 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 obligation to ensure safe working conditions is absolute; therefore, every employer faces risk. The level of risk varies: according to data from the State Labour Inspectorate, the highest number of serious and fatal accidents is recorded in the construction and manufacturing sectors, as well as in transport and logistics. <\/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-2d904c92 e-con-full e-grid e-con e-child\" data-id=\"2d904c92\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6d886583 e-con-full e-flex e-con e-child\" data-id=\"6d886583\" 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-9edf976 elementor-widget elementor-widget-heading\" data-id=\"9edf976\" 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\">Especially 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-3715b3ff elementor-widget elementor-widget-text-editor\" data-id=\"3715b3ff\" 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>carries out construction, installation, or repair work<\/li><li>has a production or processing unit<\/li><li>works in logistics, warehousing, or transport<\/li><li>uses machine tools, lifting equipment, or self-propelled machinery<\/li><li>sends employees to work at clients&#8217; sites<\/li><li>has many employees performing physical work<\/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-48a72aae e-con-full e-flex e-con e-child\" data-id=\"48a72aae\" 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-4628f54c elementor-widget elementor-widget-heading\" data-id=\"4628f54c\" 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\">It is also 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-4e450cb8 elementor-widget elementor-widget-text-editor\" data-id=\"4e450cb8\" 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>The majority of employees work in offices\u2014yet workplace falls and injuries occur across all sectors.<\/li><li>employees travel to meetings or business trips<\/li><li>employees are traveling to and from work \u2014 protection covers this time as well<\/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-70114e29 elementor-widget elementor-widget-text-editor\" data-id=\"70114e29\" 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>An accident can happen at any workplace. The difference is not the probability, but the extent of the possible consequences. <\/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-4bf927b e-con-full e-flex e-con e-parent\" data-id=\"4bf927b\" 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-3e1e93ad e-flex e-con-boxed e-con e-child\" data-id=\"3e1e93ad\" 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-33b50add elementor-widget elementor-widget-heading\" data-id=\"33b50add\" 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 cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-653c5c6a elementor-widget elementor-widget-text-editor\" data-id=\"653c5c6a\" 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 that the employer is required to compensate to the employee or their family members when the employer&#8217;s liability is established by a court judgment or a settlement agreement.<\/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-6ce446cb e-con-full e-flex e-con e-child\" data-id=\"6ce446cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3468cc91 e-con-full e-flex e-con e-child\" data-id=\"3468cc91\" 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-33ce7330 elementor-widget elementor-widget-heading\" data-id=\"33ce7330\" 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\">Compensation paid to the employee or their family<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67a70780 elementor-widget elementor-widget-text-editor\" data-id=\"67a70780\" 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>Medical expenses not covered by social insurance<\/li><li>Rehabilitation and nursing expenses<\/li><li>Funeral expenses<\/li><li>Lost income exceeding the benefits paid by Sodra<\/li><li>Non-pecuniary damage<\/li><li>Damage to an employee&#8217;s property \u2014 clothing, phone, car<\/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-359818f9 e-con-full e-flex e-con e-child\" data-id=\"359818f9\" 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-839b41a elementor-widget elementor-widget-heading\" data-id=\"839b41a\" 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\">When is protection valid?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54c9a8e0 elementor-widget elementor-widget-text-editor\" data-id=\"54c9a8e0\" 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>Workplace accident<\/li><li>Accident on the way to or from work<\/li><li>Incidents at client sites where your employees are working<\/li><li>Occupational diseases, if this coverage is included<\/li><li>Legal defense costs in defending against a claim<\/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-181a848b elementor-widget elementor-widget-text-editor\" data-id=\"181a848b\" 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>The territory is selected separately \u2014 Lithuania, Europe or the world. This is important if employees go on business trips. <\/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-67bd80cb e-con-full e-flex e-con e-parent\" data-id=\"67bd80cb\" 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-6c631947 e-flex e-con-boxed e-con e-child\" data-id=\"6c631947\" 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-1282794b elementor-widget elementor-widget-heading\" data-id=\"1282794b\" 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\">Where do Sodra benefits end?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5dab5b elementor-widget elementor-widget-text-editor\" data-id=\"b5dab5b\" 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>Social insurance for workplace accidents compensates only for pecuniary losses\u2014namely, sickness benefits and compensation for loss of working capacity. Non-pecuniary damage is not compensated at all under this law; the injured party or their family must claim it directly from the employer. <\/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-56e58737 elementor-widget elementor-widget-text-editor\" data-id=\"56e58737\" 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\">Type of damage:<\/th> <th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">Social insurance<\/th> \u2013 <th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">remains the employer&#8217;s responsibility.<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Sickness benefit for the period of incapacity for work <\/td><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">is paid<\/td> by <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">\u2014<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Compensation for loss of working capacity<\/td>: <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">paid in accordance with the law<\/td>; <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">covers the difference up to the actual income not received.<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Treatment and rehabilitation expenses<\/td> \u2013 <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">a portion<\/td> \u2013 <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">the remaining portion<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\"><strong>Non-pecuniary damage <\/strong><\/td>\u2013 <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\"><strong>not paid<\/strong><\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Full amount<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Damage to employee&#8217;s property<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">not paid<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">full amount <\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Legal defense costs<\/td> \u2013 <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">not paid<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">own funds<\/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-21eb0ee3 e-con-full e-flex e-con e-child\" data-id=\"21eb0ee3\" 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-fa4ddfb elementor-widget elementor-widget-text-editor\" data-id=\"fa4ddfb\" 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 non-pecuniary damage is the hardest risk to predict.<\/strong> The law does not specify its amount. The court makes its determination based on the criteria set out in Article 6.250 of the Civil Code\u2014namely, the severity of the consequences, the degree of fault, the financial standing of the parties, and other relevant circumstances. This list is not exhaustive, and courts at different levels sometimes assess similar circumstances differently.  <\/p><p>For the employer, this entails a liability the magnitude of which cannot be calculated in advance. It is precisely this type of risk that is worth transferring to an insurer. <\/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-4c7c0423 elementor-widget elementor-widget-text-editor\" data-id=\"4c7c0423\" 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 difficult cases are those where multiple employees are affected by a single incident. In such instances, the question of employer liability can become a matter of the company&#8217;s business continuity. <\/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-6d7285c0 e-con-full e-flex e-con e-parent\" data-id=\"6d7285c0\" 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-7b73d2f3 e-flex e-con-boxed e-con e-child\" data-id=\"7b73d2f3\" 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-491f25d8 elementor-widget elementor-widget-heading\" data-id=\"491f25d8\" 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 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-5e3487dc elementor-widget elementor-widget-text-editor\" data-id=\"5e3487dc\" 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 applies when the employer is liable for the damage. It does not cover cases where an employee is injured due to their own intentional actions, nor does it replace the obligation to comply with occupational safety requirements. <\/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-7d8e39f6 e-con-full e-grid e-con e-child\" data-id=\"7d8e39f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4033bbc7 e-con-full e-flex e-con e-child\" data-id=\"4033bbc7\" 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-78d4e14e elementor-widget elementor-widget-heading\" data-id=\"78d4e14e\" 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-42e49414 elementor-widget elementor-widget-text-editor\" data-id=\"42e49414\" 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>Intentional actions by the employee aimed at causing an accident<\/li><li>Injury sustained while committing a criminal act<\/li><li>Acting on one&#8217;s own initiative for personal interests without the supervisor&#8217;s knowledge.<\/li><li>Risk of intoxication without a separate supplement<\/li><li>Fines and sanctions imposed by the State Labour Inspectorate<\/li><li>Non-pecuniary damage, if this coverage is not included in the policy<\/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-1e636983 e-con-full e-flex e-con e-child\" data-id=\"1e636983\" 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-624c295d elementor-widget elementor-widget-heading\" data-id=\"624c295d\" 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-3dd0a32 elementor-widget elementor-widget-text-editor\" data-id=\"3dd0a32\" 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 third parties \u2192 general civil liability<\/li><li>No-fault payment to the employee \u2192 employee accident insurance<\/li><li>Executive management solutions \u2192 Directors and Officers (D&amp;O) liability<\/li><li>Damage to company property \u2192 business property 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\t\t<div class=\"elementor-element elementor-element-d0fbe04 elementor-widget elementor-widget-text-editor\" data-id=\"d0fbe04\" 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>Insurers ask how the company conducts briefings and training, assesses workplace risks, provides personal protective equipment, and records incidents. This affects both the price and the terms. <\/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-bb8a85 e-con-full e-flex e-con e-parent\" data-id=\"bb8a85\" 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-3f5668e3 e-flex e-con-boxed e-con e-child\" data-id=\"3f5668e3\" 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-1edbb1bc elementor-widget elementor-widget-heading\" data-id=\"1edbb1bc\" 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 insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48f38c3b elementor-widget elementor-widget-text-editor\" data-id=\"48f38c3b\" 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 level of operational risk, workforce structure, safety practices, and the chosen limits. There is no standard rate\u2014two companies of the same size may receive significantly different quotes. <\/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-1bee4673 elementor-widget elementor-widget-text-editor\" data-id=\"1bee4673\" 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>Areas of activity and their share of turnover.<\/strong> Not only the core activity is evaluated, but also the share of revenue each one generates.<\/li><li><strong>Number of employees by group.<\/strong> The ratio of administrative staff to other employees indicates the proportion of staff working under higher-risk conditions.<\/li><li><strong>Nature of the work.<\/strong> Work at heights, or work involving machinery, chemical substances, or heavy loads, is subject to stricter assessment.<\/li><li><strong>Occupational safety practices.<\/strong> Briefings, training, personal protective equipment, workplace risk assessments and incident registration \u2014 documented procedures improve conditions.<\/li><li><strong>History of accidents.<\/strong> A zero figure is a positive signal and can help in negotiations.<\/li><li><strong>Limits per event and per contract period.<\/strong><\/li><li><strong>Deduction.<\/strong><\/li><li><strong>Territory.<\/strong> Lithuania, Europe, or the world.<\/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-d196ae4 e-con-full e-flex e-con e-parent\" data-id=\"d196ae4\" 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-443a45bd e-flex e-con-boxed e-con e-child\" data-id=\"443a45bd\" 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-1935e928 elementor-widget elementor-widget-heading\" data-id=\"1935e928\" 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-644651b7 elementor-widget elementor-widget-text-editor\" data-id=\"644651b7\" 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 policy consists of several separate layers of protection. Which of these are included determines whether the protection will actually be effective. <\/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-8f066b4 elementor-widget elementor-widget-text-editor\" data-id=\"8f066b4\" 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>Main limit per event.<\/strong> It must correspond to the worst realistically possible scenario, not the average one.<\/li><li><strong>Limit for the contract period.<\/strong> Da\u017eniausiai lygus limitui vienam \u012fvykiui arba dvigubas. Svarbu, jei per metus galimi keli \u012fvykiai. <\/li><li><strong>Non-pecuniary damage.<\/strong> A separate protection line \u2014 more on that below.<\/li><li><strong>Insurance of employees&#8217; personal belongings.<\/strong> Relevant if personal tools, equipment, or vehicles are used for work.<\/li><li><strong>Risk of intoxication.<\/strong> Rarely needed, but worth considering for certain activities.<\/li><li><strong>Deduction.<\/strong> Choose an amount that the company can cover without difficulty.<\/li><li><strong>Territory.<\/strong> If employees work abroad, this must be specified immediately.<\/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-3c8a4bad e-con-full e-flex e-con e-child\" data-id=\"3c8a4bad\" 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-f385b9e elementor-widget elementor-widget-text-editor\" data-id=\"f385b9e\" 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>One of the most important decisions.<\/strong> Non-property damage is a separate line of protection in the policy, not a standard part. Since it is her social insurance that does not fully compensate, the policy without this line leaves the largest and most difficult to predict risk unprotected. It&#8217;s a good idea to make sure it&#8217;s included before signing.  <\/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-26a64543 e-con-full e-flex e-con e-parent\" data-id=\"26a64543\" 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-7b1ba8de e-flex e-con-boxed e-con e-child\" data-id=\"7b1ba8de\" 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-134e1870 elementor-widget elementor-widget-heading\" data-id=\"134e1870\" 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-1430c090 elementor-widget elementor-widget-text-editor\" data-id=\"1430c090\" 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, date of incorporation, 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-b497ac8 elementor-widget elementor-widget-text-editor\" data-id=\"b497ac8\" 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>Area of \u200b\u200bactivity and its percentage share of turnover<\/li><li>The number of administrative staff<\/li><li>The number of other employees<\/li><li>Correspondence address, if different from the registration address<\/li><li>History of workplace accidents<\/li><li>Desired limits per event and per period, as well as the deductible.<\/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-11210db1 elementor-widget elementor-widget-text-editor\" data-id=\"11210db1\" 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 5\u20137 minutes to complete. If you haven&#8217;t yet decided on the limits, you can select &#8220;I don&#8217;t know&#8221;\u2014the broker will then suggest options based on your activity profile. <\/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-b4b5174 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"b4b5174\" 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\">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-6ecd2e4b e-con-full e-flex e-con e-parent\" data-id=\"6ecd2e4b\" 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-3654fad1 e-flex e-con-boxed e-con e-child\" data-id=\"3654fad1\" 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-33af69fc elementor-widget elementor-widget-heading\" data-id=\"33af69fc\" 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-43c4c743 elementor-widget elementor-widget-n-accordion\" data-id=\"43c4c743\" 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-1130\" 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-1130\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is employer's 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-1130\" class=\"elementor-element elementor-element-797e4e57 e-con-full e-flex e-con e-child\" data-id=\"797e4e57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-219d38dc elementor-widget elementor-widget-text-editor\" data-id=\"219d38dc\" 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, this is voluntary insurance. Compulsory insurance covers workplace accidents and occupational diseases, with premiums paid by the employer to Sodra. However, it covers only part of the damages, leaving the remainder the employer&#8217;s responsibility.  <\/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-1131\" 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-1131\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How does it differ from the benefits paid by Sodra? <\/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-1131\" class=\"elementor-element elementor-element-63758179 e-con-full e-flex e-con e-child\" data-id=\"63758179\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb91edb elementor-widget elementor-widget-text-editor\" data-id=\"cb91edb\" 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\">Social insurance compensates for pecuniary losses\u2014such as sickness benefits and compensation for loss of working capacity\u2014in accordance with statutory procedures. Employer\u2019s civil liability insurance covers amounts exceeding these benefits: the difference in lost income, medical expenses, and non-pecuniary damage. <\/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-1132\" 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-1132\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is non-pecuniary damage covered automatically? <\/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-1132\" class=\"elementor-element elementor-element-6a3da3d2 e-con-full e-flex e-con e-child\" data-id=\"6a3da3d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4a8c4d elementor-widget elementor-widget-text-editor\" data-id=\"d4a8c4d\" 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. In the policy, this is a separate coverage item that must be included intentionally. Since social insurance does not fully compensate for non-pecuniary damage, a policy without this item leaves the greatest risk unprotected.  <\/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-1133\" 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-1133\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does the coverage apply on the way to or from work? <\/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-1133\" class=\"elementor-element elementor-element-175b925b e-con-full e-flex e-con e-child\" data-id=\"175b925b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee09651 elementor-widget elementor-widget-text-editor\" data-id=\"5ee09651\" 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. Standard coverage includes accidents that occur during work, as well as those happening while commuting to and from work. This is one of the areas employers most often overlook when assessing their risks.  <\/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-1134\" 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-1134\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How does it differ from employee accident insurance? <\/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-1134\" class=\"elementor-element elementor-element-3a8514ef e-con-full e-flex e-con e-child\" data-id=\"3a8514ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f2b1a78 elementor-widget elementor-widget-text-editor\" data-id=\"1f2b1a78\" 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\">Employer&#8217;s liability insurance applies only when the employer is liable for damages and serves to protect the company. Employee accident insurance provides a payout directly to the employee, regardless of fault, and acts as an employee benefit. These products do not replace one another.  <\/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-1135\" 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-1135\" >\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 employees on business trips 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-1135\" class=\"elementor-element elementor-element-39c54c2d e-con-full e-flex e-con e-child\" data-id=\"39c54c2d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-364a0386 elementor-widget elementor-widget-text-editor\" data-id=\"364a0386\" 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 selected territory\u2014Lithuania, Europe, or the world. If employees travel on business trips or work at clients&#8217; sites abroad, the territory must be specified when concluding the contract. <\/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-1136\" 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-1136\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Are occupational diseases 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-1136\" class=\"elementor-element elementor-element-24e2a1e e-con-full e-flex e-con e-child\" data-id=\"24e2a1e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a44ec9d elementor-widget elementor-widget-text-editor\" data-id=\"5a44ec9d\" 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\">Often yes, but not always automatically. It is worth checking coverage for occupational diseases separately, especially if your work involves exposure to noise, vibration, or chemical substances, or entails heavy physical exertion. <\/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-1137\" 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-1137\" >\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 fines imposed by the State Labour Inspectorate? <\/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-1137\" class=\"elementor-element elementor-element-3b39324 e-con-full e-flex e-con e-child\" data-id=\"3b39324\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f41f097 elementor-widget elementor-widget-text-editor\" data-id=\"2f41f097\" 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. Administrative fines and sanctions are not covered by the protection. Insurance also does not exempt one from the obligation to conduct briefings and training, assess workplace risks, and provide personal protective equipment.  <\/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 employer's liability insurance mandatory?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, this is voluntary insurance. Compulsory insurance covers workplace accidents and occupational diseases, with premiums paid by the employer to Sodra. However, it covers only part of the damages, leaving the remainder the employer&#8217;s responsibility.\"}},{\"@type\":\"Question\",\"name\":\"How does it differ from the benefits paid by Sodra?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Social insurance compensates for pecuniary losses\\u2014such as sickness benefits and compensation for loss of working capacity\\u2014in accordance with statutory procedures. Employer\\u2019s civil liability insurance covers amounts exceeding these benefits: the difference in lost income, medical expenses, and non-pecuniary damage.\"}},{\"@type\":\"Question\",\"name\":\"Is non-pecuniary damage covered automatically?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. In the policy, this is a separate coverage item that must be included intentionally. Since social insurance does not fully compensate for non-pecuniary damage, a policy without this item leaves the greatest risk unprotected.\"}},{\"@type\":\"Question\",\"name\":\"Does the coverage apply on the way to or from work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Standard coverage includes accidents that occur during work, as well as those happening while commuting to and from work. This is one of the areas employers most often overlook when assessing their risks.\"}},{\"@type\":\"Question\",\"name\":\"How does it differ from employee accident insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Employer&#8217;s liability insurance applies only when the employer is liable for damages and serves to protect the company. Employee accident insurance provides a payout directly to the employee, regardless of fault, and acts as an employee benefit. These products do not replace one another.\"}},{\"@type\":\"Question\",\"name\":\"Does the insurance cover employees on business trips abroad?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on the selected territory\\u2014Lithuania, Europe, or the world. If employees travel on business trips or work at clients&#8217; sites abroad, the territory must be specified when concluding the contract.\"}},{\"@type\":\"Question\",\"name\":\"Are occupational diseases covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Often yes, but not always automatically. It is worth checking coverage for occupational diseases separately, especially if your work involves exposure to noise, vibration, or chemical substances, or entails heavy physical exertion.\"}},{\"@type\":\"Question\",\"name\":\"Does the insurance cover fines imposed by the State Labour Inspectorate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Administrative fines and sanctions are not covered by the protection. Insurance also does not exempt one from the obligation to conduct briefings and training, assess workplace risks, and provide personal protective equipment.\"}}]}<\/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-4e5801b8 e-con-full e-flex e-con e-parent\" data-id=\"4e5801b8\" 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-32a10e1c e-flex e-con-boxed e-con e-child\" data-id=\"32a10e1c\" 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-3e46cdd9 elementor-widget elementor-widget-heading\" data-id=\"3e46cdd9\" 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-1ff5d116 elementor-widget elementor-widget-text-editor\" data-id=\"1ff5d116\" 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>Employer&#8217;s liability covers damages to one&#8217;s own employees. These products cover related areas. <\/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-73610282 e-con-full e-grid e-con e-child\" data-id=\"73610282\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b5038bb e-con-full e-flex e-con e-child\" data-id=\"b5038bb\" 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-5e741a55 elementor-widget elementor-widget-heading\" data-id=\"5e741a55\" 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-4d0d29f8 elementor-widget elementor-widget-text-editor\" data-id=\"4d0d29f8\" 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 third parties arising from your operations, premises, or products<\/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-342a7f1 e-con-full e-flex e-con e-child\" data-id=\"342a7f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37f2bd8c elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"37f2bd8c\" 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-3bedc041 e-con-full e-flex e-con e-child\" data-id=\"3bedc041\" 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-61f7fd15 elementor-widget elementor-widget-heading\" data-id=\"61f7fd15\" 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-3b828372 elementor-widget elementor-widget-text-editor\" data-id=\"3b828372\" 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>Buildings, equipment, and stock \u2014 protection against fire, water damage, and theft.<\/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-d73210c e-con-full e-flex e-con e-child\" data-id=\"d73210c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90530d7 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"90530d7\" 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-3b92c856 e-con-full e-flex e-con e-child\" data-id=\"3b92c856\" 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-3a621216 elementor-widget elementor-widget-heading\" data-id=\"3a621216\" 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-25fc8987 elementor-widget elementor-widget-text-editor\" data-id=\"25fc8987\" 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>Transport companies \u2014 liability for the cargo being transported<\/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-5553b113 e-con-full e-flex e-con e-child\" data-id=\"5553b113\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12948b49 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"12948b49\" 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\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b3ff2c5 elementor-widget elementor-widget-heading\" data-id=\"4b3ff2c5\" 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 the company and employees<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f4d2e4 elementor-widget elementor-widget-text-editor\" data-id=\"4f4d2e4\" 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 to receive offers from Lithuania\u2019s leading insurers and compare not only prices but also the scope of coverage.<\/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-18b66b2a elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"18b66b2a\" 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\">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-3ea6510 elementor-widget elementor-widget-text-editor\" data-id=\"3ea6510\" 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>Employer&#8217;s civil liability insurance This insurance compensates an employee or their family for damages when the employee suffers an injury or dies due to an accident at work or while commuting to or from work, and the employer is liable for the incident. The coverage extends to losses not compensated by mandatory social insurance. Fill [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":10188,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10208","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Employer&#039;s civil liability insurance | Man ramu<\/title>\n<meta name=\"description\" content=\"What Sodra does not compensate in the event of an accident at work and why non-pecuniary damage remains with the employer. 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