{"id":10221,"date":"2026-09-18T09:16:44","date_gmt":"2026-09-18T06:16:44","guid":{"rendered":"https:\/\/manramu.lt\/business-insurance\/professional-civil-liability-insurance\/"},"modified":"2026-09-24T20:25:56","modified_gmt":"2026-09-24T17:25:56","slug":"professional-civil-liability-insurance","status":"publish","type":"page","link":"https:\/\/manramu.lt\/en\/business-insurance\/professional-civil-liability-insurance\/","title":{"rendered":"Professional civil liability insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10221\" class=\"elementor elementor-10221 elementor-9694\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76b77cb6 e-con-full e-flex e-con e-parent\" data-id=\"76b77cb6\" 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-2b4120bc e-flex e-con-boxed e-con e-child\" data-id=\"2b4120bc\" 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-7d4da5fd elementor-widget elementor-widget-heading\" data-id=\"7d4da5fd\" 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\">Professional 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-5fdb2072 elementor-widget elementor-widget-text-editor\" data-id=\"5fdb2072\" 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 covers financial losses incurred by a client or a third party due to your professional error, carelessness, or negligence. For some professions in Lithuania, it is mandatory by law, while for others, it is increasingly required by clients themselves. <\/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-64392a57 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"64392a57\" 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\">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-1dc4e3e3 elementor-widget elementor-widget-template\" data-id=\"1dc4e3e3\" 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\" 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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-17b0824f e-con-full e-flex e-con e-parent\" data-id=\"17b0824f\" 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-5c40976b e-flex e-con-boxed e-con e-child\" data-id=\"5c40976b\" 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-24bd7d71 elementor-widget elementor-widget-heading\" data-id=\"24bd7d71\" 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-18fc959e elementor-widget elementor-widget-text-editor\" data-id=\"18fc959e\" 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 is relevant for anyone providing services based on their professional qualifications, where an error could result in financial loss for the client. For certain professions, the state has mandated insurance and set minimum coverage limits to ensure that client losses are compensated. <\/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-1fc889c0 e-con-full e-flex e-con e-child\" data-id=\"1fc889c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-200d9e64 e-con-full e-flex e-con e-child\" data-id=\"200d9e64\" 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-5b7a3925 elementor-widget elementor-widget-heading\" data-id=\"5b7a3925\" 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\">Mandatory by law<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60bb78c2 elementor-widget elementor-widget-text-editor\" data-id=\"60bb78c2\" 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>Advocates and professional partnerships of advocates<\/li><li>Notaries and bailiffs<\/li><li>Auditors and audit firms<\/li><li>Individuals and companies providing accounting services<\/li><li>Customs brokers<\/li><li>Structure designers and contractors<\/li><li>Insurance brokers and intermediaries<\/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-51bdb901 elementor-widget elementor-widget-text-editor\" data-id=\"51bdb901\" 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>Minimum insurance coverage limits are set by specific laws and are periodically reviewed. It is worth checking the current limit applicable to your profession\u2014it is often significantly lower than the actual potential damage. <\/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<div class=\"elementor-element elementor-element-68011599 e-con-full e-flex e-con e-child\" data-id=\"68011599\" 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-12528c89 elementor-widget elementor-widget-heading\" data-id=\"12528c89\" 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\">Voluntary, yet increasingly required<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d6cfd71 elementor-widget elementor-widget-text-editor\" data-id=\"6d6cfd71\" 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>IT and software developers<\/li><li>Business, finance, and management consultants<\/li><li>Engineers and maintenance specialists<\/li><li>Architects and designers<\/li><li>Marketing and public relations agenciesMarketing and public relations agencies<\/li><li>Translators, training and HR service providers<\/li><li>Health and beauty service providers<\/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-3194766b elementor-widget elementor-widget-text-editor\" data-id=\"3194766b\" 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>International clients often inquire about professional liability insurance during the negotiation stage. In the IT sector, the required coverage amounts frequently reach hundreds of thousands or even a million euros. <\/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-1f4db3c2 e-con-full e-flex e-con e-parent\" data-id=\"1f4db3c2\" 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-3e53fbfa e-flex e-con-boxed e-con e-child\" data-id=\"3e53fbfa\" 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-60c03799 elementor-widget elementor-widget-heading\" data-id=\"60c03799\" 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 professional 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-678e2de1 elementor-widget elementor-widget-text-editor\" data-id=\"678e2de1\" 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 compensates for financial losses caused by an inadvertent error, inaccurate advice, missed deadline or lack of procedure. Legal defense costs are also covered \u2014 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-2182e33a e-con-full e-flex e-con e-child\" data-id=\"2182e33a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-47d65ab9 e-con-full e-flex e-con e-child\" data-id=\"47d65ab9\" 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-c154d18 elementor-widget elementor-widget-heading\" data-id=\"c154d18\" 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-2634f6a6 elementor-widget elementor-widget-text-editor\" data-id=\"2634f6a6\" 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>Client&#8217;s financial losses due to a professional error<\/li><li>Inaccurate or incorrect advice<\/li><li>Missed deadlines and unperformed actions<\/li><li>Errors in document preparation and calculations<\/li><li>Employee errors in the performance of insured professional activities<\/li><li>Costs of legal defense and claim assessment<\/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-58d31b4 e-con-full e-flex e-con e-child\" data-id=\"58d31b4\" 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-1a139b6f elementor-widget elementor-widget-heading\" data-id=\"1a139b6f\" 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-55f6364f elementor-widget elementor-widget-text-editor\" data-id=\"55f6364f\" 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>Errors made by subcontractors and partners<\/li><li>Data security and confidentiality breaches<\/li><li>Infringement of intellectual property rights<\/li><li>Additional areas of activity \u2014 training, auditing, expert assessment<\/li><li>Operations abroad and clients outside the EU<\/li><li>Retroactive protection for previous periods<\/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-24397aa9 elementor-widget elementor-widget-text-editor\" data-id=\"24397aa9\" 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>In practice, the protection of legal defense is used more often than the payment itself: even the assessment of an unfounded claim requires a lawyer, and the examination of a professional dispute can take months.<\/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-6f9ff1ea e-con-full e-flex e-con e-parent\" data-id=\"6f9ff1ea\" 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-7d919c5c e-flex e-con-boxed e-con e-child\" data-id=\"7d919c5c\" 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-6f0de9be elementor-widget elementor-widget-heading\" data-id=\"6f0de9be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does the claim submission process work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d59aa81 elementor-widget elementor-widget-text-editor\" data-id=\"6d59aa81\" 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 is the most important distinction of this product. Professional liability insurance operates on a &#8220;claims-made&#8221; basis: the insured event is not the error itself, but the moment the client submits a claim. Therefore, the policy in effect on the day the claim is received is the one that applies, rather than the policy that was in force at the time the error occurred.  <\/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-22c552 elementor-widget elementor-widget-text-editor\" data-id=\"22c552\" 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\"><\/th><th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">General Civil Liability<\/th> <th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">Professional Civil Liability<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">What constitutes an event?<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Occurrence of loss.<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Submission of a claim.<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Which policy applies<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">the one in effect at the time of the loss<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">the one in effect at the time of the claim<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Time elapsed before the claim<\/td>: <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">usually short<\/td>; <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">often several years<\/td>.<\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Key factors when choosing<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Scope of coverage<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">continuity of coverage and retroactive date<\/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-530b3f8c e-con-full e-flex e-con e-child\" data-id=\"530b3f8c\" 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-6ab409c6 elementor-widget elementor-widget-text-editor\" data-id=\"6ab409c6\" 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 continuity is more important than price.<\/strong> Several years can elapse between a professional error and a claim. If, during that time, the policy lapsed, was switched to one with narrower coverage, or had its retroactive date set to a time after the error occurred, the claim might remain uncovered\u2014even if you hold insurance today. <\/p><p>Therefore, when switching insurers, the most important question is not the difference in premiums, but whether the retroactive date has shifted forward. Some insurers provide retroactive coverage even for the period prior to the conclusion of the contract. <\/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-1428bde elementor-widget elementor-widget-text-editor\" data-id=\"1428bde\" 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 same logic applies when winding down operations: a claim may arise even after you have ceased providing services. It is worth discussing an extension of coverage for the claim-reporting period in advance. <\/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-179934d5 e-con-full e-flex e-con e-parent\" data-id=\"179934d5\" 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-16c5bdfe e-flex e-con-boxed e-con e-child\" data-id=\"16c5bdfe\" 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-18a3464f elementor-widget elementor-widget-heading\" data-id=\"18a3464f\" 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-5934dec0 elementor-widget elementor-widget-text-editor\" data-id=\"5934dec0\" 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 unintentional errors. It does not cover intentional acts, contractual penalties, or what is essentially the refund of payment for improperly performed work. <\/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-18b18dac e-con-full e-flex e-con e-child\" data-id=\"18b18dac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-42e24ba e-con-full e-flex e-con e-child\" data-id=\"42e24ba\" 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-43c711f1 elementor-widget elementor-widget-heading\" data-id=\"43c711f1\" 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-6406998d elementor-widget elementor-widget-text-editor\" data-id=\"6406998d\" 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 and deliberate failure to perform duties<\/li><li>Contractual penalties, liquidated damages, and late payment interest<\/li><li>Refund of the fee for improperly performed work<\/li><li>Services provided without a contract or free of charge<\/li><li>Activity not specified in the policy<\/li><li>Physical damage to a person or property<\/li><li>Claims and circumstances known prior to the conclusion of the contract<\/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-1e0e1308 e-con-full e-flex e-con e-child\" data-id=\"1e0e1308\" 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-65f5cf1 elementor-widget elementor-widget-heading\" data-id=\"65f5cf1\" 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-51a84cb0 elementor-widget elementor-widget-text-editor\" data-id=\"51a84cb0\" 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>Bodily injury to third parties \u2192 general civil liability<\/li><li>Executive management solutions \u2192 Directors and Officers (D&amp;O) liability<\/li><li>Harm to employee&#8217;s health \u2192 employer&#8217;s civil liability<\/li><li>Cyber \u200b\u200bincidents \u2192 cyber risk 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-8919c5 elementor-widget elementor-widget-text-editor\" data-id=\"8919c5\" 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 last point on the first card is arguably the most important: if you are aware of a potential claim or error before entering into the contract, you must declare it. Failure to disclose this information could render the policy invalid. <\/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-4976760d e-con-full e-flex e-con e-parent\" data-id=\"4976760d\" 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-683062e8 e-flex e-con-boxed e-con e-child\" data-id=\"683062e8\" 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-67cf92f elementor-widget elementor-widget-heading\" data-id=\"67cf92f\" 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-30fb77f1 elementor-widget elementor-widget-text-editor\" data-id=\"30fb77f1\" 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 depends on the profession, the scope of operations, the chosen limit, and the claims history. There are significant differences between professions: for accounting services, the premium amounts to a few hundred euros per year, whereas in the IT or consulting sectors\u2014with higher limits\u2014it is considerably higher. <\/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-26bfe5e6 elementor-widget elementor-widget-text-editor\" data-id=\"26bfe5e6\" 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>Profession and field of activity.<\/strong> The magnitude of the financial damage a single error could cause is being assessed.<\/li><li><strong>Annual turnover and number of specialists.<\/strong> Key indicators of the scale of operations.<\/li><li><strong>Sum insured and annual aggregate.<\/strong> Often the most important factor affecting the price.<\/li><li><strong>Retroactive date.<\/strong> The earlier it is established, the broader the protection and the higher the contribution.<\/li><li><strong>Client geography.<\/strong> Customers outside the EU are judged more strictly due to different legal practices.<\/li><li><strong>History of claims.<\/strong> Vertinami paskutiniai penkeri metai.<\/li><li><strong>Qualification and quality control.<\/strong> Certifications, internal review procedures and documented work procedures improve conditions.<\/li><li><strong>Deduction.<\/strong><\/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-5425928b e-con-full e-flex e-con e-parent\" data-id=\"5425928b\" 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-6558f6c1 e-flex e-con-boxed e-con e-child\" data-id=\"6558f6c1\" 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-3fce7726 elementor-widget elementor-widget-heading\" data-id=\"3fce7726\" 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-1812030e elementor-widget elementor-widget-text-editor\" data-id=\"1812030e\" 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>With this product, a flawed decision does not become apparent immediately, but rather years later when a claim arises. Therefore, it is worth considering the terms more carefully than with other types of 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-54c23967 elementor-widget elementor-widget-text-editor\" data-id=\"54c23967\" 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 per event and annual aggregate.<\/strong> The mandatory minimum amount is a starting point, not a goal.<\/li><li><strong>Retroactive date.<\/strong> The most important parameter when switching insurers.<\/li><li><strong>Definition of activities in the policy.<\/strong> It must cover all services actually provided, not just the main one.<\/li><li><strong>Subcontractors and partners.<\/strong> If you make use of them, include them.<\/li><li><strong>Territory and customer geography.<\/strong><\/li><li><strong>Protection after cessation of operations.<\/strong> Period for submitting claims after the termination of the contract.<\/li><li><strong>Deduction.<\/strong><\/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-2273ed4f e-con-full e-flex e-con e-child\" data-id=\"2273ed4f\" 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-5adf5247 elementor-widget elementor-widget-text-editor\" data-id=\"5adf5247\" 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>Three questions before signing.<\/strong> From what date does retroactive protection apply? Does the policy list all the services you actually provide? What happens to your cover if you go out of business or change insurers?  <\/p><p>If the answer to even one of them is unclear, a cheaper offer could turn into a costly mistake.<\/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-55212ccf e-con-full e-flex e-con e-parent\" data-id=\"55212ccf\" 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-5bf36ca6 e-flex e-con-boxed e-con e-child\" data-id=\"5bf36ca6\" 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-331bb410 elementor-widget elementor-widget-heading\" data-id=\"331bb410\" 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-160e122d elementor-widget elementor-widget-text-editor\" data-id=\"160e122d\" 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-36c36bf4 elementor-widget elementor-widget-text-editor\" data-id=\"36c36bf4\" 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 the services provided and the share of each in the turnover.<\/li><li>Annual turnover and number of specialists<\/li><li>The desired insurance limit per event and the aggregate annual limit<\/li><li>Details of the existing policy \u2014 insurer, amount, retroactive date<\/li><li>Client geography<\/li><li>Claims and known circumstances over the past five years<\/li><li>The mandatory insurance requirement, if it applies to your profession<\/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-3d0f144a elementor-widget elementor-widget-text-editor\" data-id=\"3d0f144a\" 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. If you have a current policy, it is worth having it on hand\u2014the retroactive date and the definition of activities are the most important parameters for comparison. <\/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-7828c21c elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"7828c21c\" 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\">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-7a2b436f e-con-full e-flex e-con e-parent\" data-id=\"7a2b436f\" 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-7b19861f e-flex e-con-boxed e-con e-child\" data-id=\"7b19861f\" 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-7e407d54 elementor-widget elementor-widget-heading\" data-id=\"7e407d54\" 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-127d6610 elementor-widget elementor-widget-n-accordion\" data-id=\"127d6610\" 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-3100\" 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-3100\" >\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 professional civil liability and general 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-3100\" class=\"elementor-element elementor-element-60b19755 e-con-full e-flex e-con e-child\" data-id=\"60b19755\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79d1175c elementor-widget elementor-widget-text-editor\" data-id=\"79d1175c\" 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 civil liability covers physical harm\u2014personal injury or property damage. Professional liability covers purely financial losses incurred by a client due to an error on your part while providing services, such as incorrect advice, a missed deadline, or a calculation or design error. <\/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-3101\" 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-3101\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> For whom is this insurance mandatory in Lithuania? <\/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-3101\" class=\"elementor-element elementor-element-6e932c80 e-con-full e-flex e-con e-child\" data-id=\"6e932c80\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-620a0e8f elementor-widget elementor-widget-text-editor\" data-id=\"620a0e8f\" 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\">For certain regulated professions\u2014including lawyers, notaries, bailiffs, auditors, accounting service providers, customs brokers, construction designers, and insurance intermediaries\u2014requirements and minimum amounts are established by specific laws. <\/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-3102\" 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-3102\" >\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 minimum insurance amount? <\/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-3102\" class=\"elementor-element elementor-element-2411c98b e-con-full e-flex e-con e-child\" data-id=\"2411c98b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45988fd1 elementor-widget elementor-widget-text-editor\" data-id=\"45988fd1\" 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 profession and is established by specific laws, so there is no single, uniform amount. The minimum limit is often significantly lower than the actual potential damage, so it should be viewed as a starting point rather than as sufficient protection. <\/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-3103\" 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-3103\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What does a retroactive date mean? <\/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-3103\" class=\"elementor-element elementor-element-f146866 e-con-full e-flex e-con e-child\" data-id=\"f146866\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42513a9 elementor-widget elementor-widget-text-editor\" data-id=\"42513a9\" 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 the date from which professional activities performed are covered. If an error occurred prior to the retroactive date, the claim will not be covered, even if the policy is currently in force. When switching insurers, it is crucial to ensure that this date does not shift forward.  <\/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-3104\" 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-3104\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Are errors made by employees 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-3104\" class=\"elementor-element elementor-element-57861ec7 e-con-full e-flex e-con e-child\" data-id=\"57861ec7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27ee30dd elementor-widget elementor-widget-text-editor\" data-id=\"27ee30dd\" 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. Coverage typically extends to errors made by company employees while performing the insured professional activities. Errors by subcontractors and partners are often included separately\u2014it is worth checking this.  <\/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-3105\" 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-3105\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What happens if I change my insurer? <\/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-3105\" class=\"elementor-element elementor-element-22e057aa e-con-full e-flex e-con e-child\" data-id=\"22e057aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-298ec838 elementor-widget elementor-widget-text-editor\" data-id=\"298ec838\" 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\">Risk represents a coverage gap. If a new policy sets a later retroactive date or a narrower definition of operations, work performed during an earlier period may remain uncovered. Therefore, when comparing proposals, the retroactive date is more important than the difference in premiums.  <\/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-3106\" 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-3106\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does the protection apply to a claim received after operations have already ceased? <\/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-3106\" class=\"elementor-element elementor-element-7fffe933 e-con-full e-flex e-con e-child\" data-id=\"7fffe933\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1da005b2 elementor-widget elementor-widget-text-editor\" data-id=\"1da005b2\" 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\">Only if specific arrangements have been made for this. Since a claim may arise years later, it is advisable, when winding down operations, to agree on extending coverage to include the period for the submission of claims. <\/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-3107\" 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-3107\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Are legal costs covered if the claim is unfounded? <\/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-3107\" class=\"elementor-element elementor-element-1e2572cd e-con-full e-flex e-con e-child\" data-id=\"1e2572cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e2a1f99 elementor-widget elementor-widget-text-editor\" data-id=\"7e2a1f99\" 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, the costs of legal defense and claim assessment are generally included in the coverage. This is important because even handling an unfounded claim requires lawyers and can take months. <\/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\":\"What is the difference between professional civil liability and general civil liability?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"General civil liability covers physical harm\\u2014personal injury or property damage. Professional liability covers purely financial losses incurred by a client due to an error on your part while providing services, such as incorrect advice, a missed deadline, or a calculation or design error.\"}},{\"@type\":\"Question\",\"name\":\"For whom is this insurance mandatory in Lithuania?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For certain regulated professions\\u2014including lawyers, notaries, bailiffs, auditors, accounting service providers, customs brokers, construction designers, and insurance intermediaries\\u2014requirements and minimum amounts are established by specific laws.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum insurance amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on the profession and is established by specific laws, so there is no single, uniform amount. 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Since a claim may arise years later, it is advisable, when winding down operations, to agree on extending coverage to include the period for the submission of claims.\"}},{\"@type\":\"Question\",\"name\":\"Are legal costs covered if the claim is unfounded?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, the costs of legal defense and claim assessment are generally included in the coverage. This is important because even handling an unfounded claim requires lawyers and can take months.\"}}]}<\/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-3329b011 e-con-full e-flex e-con e-parent\" data-id=\"3329b011\" 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-7f470074 e-flex e-con-boxed e-con e-child\" data-id=\"7f470074\" 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-3b1b8a65 elementor-widget elementor-widget-heading\" data-id=\"3b1b8a65\" 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-209f24e6 elementor-widget elementor-widget-text-editor\" data-id=\"209f24e6\" 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>Professional liability covers financial losses resulting from errors. 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-1cbe1d31 e-con-full e-flex e-con e-child\" data-id=\"1cbe1d31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4f1e4612 e-con-full e-flex e-con e-child\" data-id=\"4f1e4612\" 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-77322f04 elementor-widget elementor-widget-heading\" data-id=\"77322f04\" 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-299f6bcb elementor-widget elementor-widget-text-editor\" data-id=\"299f6bcb\" 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>Physical injury to third parties arising from 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-4ef3b3ce e-con-full e-flex e-con e-child\" data-id=\"4ef3b3ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44623df9 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"44623df9\" 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-779d180e e-con-full e-flex e-con e-child\" data-id=\"779d180e\" 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-69a84ddf elementor-widget elementor-widget-heading\" data-id=\"69a84ddf\" 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-7c474dbc elementor-widget elementor-widget-text-editor\" data-id=\"7c474dbc\" 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-404ad8ec e-con-full e-flex e-con e-child\" data-id=\"404ad8ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-444364f9 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"444364f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/employers-civil-liability-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c7b60e4 e-con-full e-flex e-con e-child\" data-id=\"6c7b60e4\" 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-4bb03f17 elementor-widget elementor-widget-heading\" data-id=\"4bb03f17\" 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-19fcb6b2 elementor-widget elementor-widget-text-editor\" data-id=\"19fcb6b2\" 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-7ef998ea e-con-full e-flex e-con e-child\" data-id=\"7ef998ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62af284c elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"62af284c\" 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<div class=\"elementor-element elementor-element-6fe00426 elementor-widget elementor-widget-heading\" data-id=\"6fe00426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Protect your professional activities<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d154f80 elementor-widget elementor-widget-text-editor\" data-id=\"2d154f80\" 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 leading Lithuanian insurers and compare not only prices but also retroactive dates and activity definitions.<\/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-6e922fa3 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"6e922fa3\" 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\">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-42335acc elementor-widget elementor-widget-text-editor\" data-id=\"42335acc\" 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>Professional civil liability insurance This insurance covers financial losses incurred by a client or a third party due to your professional error, carelessness, or negligence. For some professions in Lithuania, it is mandatory by law, while for others, it is increasingly required by clients themselves. Fill out the questionnaire Who is this insurance relevant for? [&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-10221","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>Professional civil liability insurance | Man ramu<\/title>\n<meta name=\"description\" content=\"Who is required to have it, what it covers, and why the retroactive date is more important than the price. 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