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We will advise what and how to prevent that manage today's risks and ensure the maximum protection of your business 

MANUFACTURING, TRADE, AND SERVICES

The advice for companies is to responsibly evaluate all aspects of operations and determine what has the greatest impact on the company's operations. It is also important to look at the insurance amounts

We will help assess risks and offer reliable risk management solutions
We will tailor the best insurance terms for each business sector
We will responsibly review insurance amounts to ensure they are sufficient to cover losses
We will professionally administer the insurance portfolio
Smoothly and promptly, we will assist in settling claims for all types of insurance

MANUFACTURING, TRADE, AND SERVICES

We will help properly protect your company's real and movable property and other additional insurance objects, paying attention to the adequacy of the insurance amounts. It is possible that after evaluating the increased prices of construction works, materials, electronics, devices, raw materials, the amount specified in the contract will not be sufficient to compensate all the losses, and part of the restoration costs will go to the policyholder.

What can be insured?

  • buildings, their engineering equipment, investments in buildings

  • devices, tools, furniture, inventory, computer equipment, advertising stands

  • manufactured products, raw materials, fuel, goods, unfinished products

  • expected investments

  • cash and other valuables, etc.

Commercial Property Insurance

Production, trade and services

Among our clients are a number of corporate groups, production, trade and service companies of different fields, which we help to successfully insure large-scale risks by offering adequate insurance coverage. Our recommendation to companies is to always responsibly assess all aspects of operations and define what has the greatest impact on the company's operations. And, of course, to review  insurance amounts responsibly. When working in the industrial and manufacturing sector, one faces threats such as fire losses, production equipment breakdowns, employee injuries, third-party claims for damages caused by the company's fault, and other factors that directly affect the company's operations.

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How do you know that the insurance you have is what you expect and what your business really needs?

We will advise you on exactly what to insure and for what amount to ensure adequate protection in the event of an emergency.

MANUFACTURING, TRADE, AND SERVICES

Business Interruption Insurance

In order to reliably protect your business from shocks, we advise you to insure both the company's assets and the risk of business interruption. We can help your business avoid the painful consequences that occurred in the company after an insured event that caused property losses, due to which blame was suspended or interrupted company activity (eg: production).

 

The following potential financial losses are insured:

  • unearned profits from the company's operations

  • fixed costs

  • additional costs

  • reasonable expenses are necessary

  • other individually discussed financial losses

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MANUFACTURING, TRADE, AND SERVICES

We will help properly protect your company's real and movable property and other additional insurance objects, paying attention to the adequacy of insurance amounts. It is possible that after considering the increased prices of construction works, materials, electronics, devices, and raw materials, the amount specified in the contract will not be sufficient to compensate all the losses, and part of the restoration costs will go to the policyholder.

What can be insured?

  • buildings, their engineering equipment, investments in buildings

  • devices, tools, furniture, inventory, computer equipment, advertising stands

  • manufactured products, raw materials, fuel, goods, unfinished products

  • expected investments

  • cash and other valuables, etc.

Civil Liability Insurance

MANUFACTURING, TRADE, AND SERVICES

Accident Insurance

We will help protect your company's employees from accidents at work or 24/7 by providing specific insurance amounts in case of death, disability or broken bones of the employee. This insurance is especially relevant if workers work in conditions dangerous to health or life, such as construction, factories, forests, etc. We can insure all employees of a company or a certain position. Unlike employer's liability insurance, which compensates for damages suffered by an employee only if the employer is at fault, workers' compensation insurance pays an insurance payout in case of accidental injury regardless of whether the employer is at fault.

 

Employee accident insurance consists of:

 

  • death insurance

  • insurance in case of permanent or temporary disability

  • insurance in case of injuries or broken bones

  • per diem

  • sick pay

MANUFACTURING, TRADE, AND SERVICES

Every company is responsible for its employees and safe working conditions, so if an employee is injured or dies at work, on the way to or from work, there is always a risk of liability for the employer. We will help reimburse your employee's necessary medical expenses, lost income that the employee would have received if the accident had not occurred, non-pecuniary damage, court and other expenses. LEGATOR insurance specialists offer detailed consultations on the conditions of insurance coverage and help to choose the insurance coverage that best suits the needs of each company.

Employer's Liability Insurance

MANUFACTURING, TRADE, AND SERVICES

Professional Liability Insurance

Professional civil liability insurance is intended to protect against professional errors and potential property losses against third parties when damage is caused to their property, health or life. Complaints based on financial damage can be received by:

  • financiers and accountants

  • business consultants

  • IT specialists 

  • translators

  • engineering 

  • persons working in the fields of construction and real estate and others.

 

In a company insured with Professional Civil Liability insurance, both all employees working under employment contracts and temporary employees working under copyright contracts who are assigned to perform certain tasks are insured.

Contact our insurance experts, we will advise you on the benefits of insurance, calculate a competitive insurance price and make sure that your professional civil liability is properly insured.

MANUFACTURING, TRADE, AND SERVICES

Managers' civil liability insurance is intended for company employees who make responsible decisions and helps to compensate for losses incurred by the company or third parties due to the inappropriate actions of managers. This insurance covers risks that are not covered by General or Professional Liability insurances and protects against damages that may arise from the claims of competitors, suppliers, investors, shareholders or other parties.

 

Executive insurance covers:

 

  • directors' and managers' liability risk

  • business continuity risk

  • risk of fraud

  • operational risk

  • the risk of mergers and acquisitions

 

We provide companies with individual consultations on insurance amounts, scope of protection, applicable exclusions, etc., ensuring maximum competitiveness of purchased protection.

Directors' and Officers' Liability Insurance

MANUFACTURING, TRADE, AND SERVICES

Credit Insurance

Our insurance specialists will help you control the risks of customer insolvency both when trading in your country and when exporting. By insuring yourself with trade credit insurance, your business will be protected from hopeless debts, you will get to know existing and potential customers better, and in case of delays you will be able to use the debt collection services provided by credit insurance companies. LEGATOR cooperates with global leaders in trade credit insurance: Allianz Trade, Coface, Atradius. We fully advise companies on trade credit insurance issues and help create effective credit management solutions adapted to specific customer needs.

MANUFACTURING, TRADE, AND SERVICES

Corporate Vehicle Insurance

Company vehicle insurance covers various losses related to company vehicles. LEGATOR insurance specialists will help you take proper care of your business cars by offering competitive Drivers' Liability and CASKO insurances. We can also include additional protections you need, such as technical assistance on the road, insurance for drivers and passengers, replacement car, protection against collision with animals on the road, etc. For companies managing more than 10 vehicles, we conclude car fleet insurance contracts, ensuring a simpler administration process, lower insurance premium and more favorable insurance conditions.

MANUFACTURING, TRADE, AND SERVICES

We will help to control and cover not only the losses related to your company's damaged property due to cyber attacks, but also the losses caused by the loss of data of third parties protected by the company. Cyber risk protection is adapted to companies of all fields that use information technology in their activities. Contact our insurance experts for an insurance quote.

Insurance for Cyber Risks

MANUFACTURING, TRADE, AND SERVICES

With liability insurance in the course of customs procedures, the insured ensures the performance of customs procedures and the payment of the resulting debt to customs. Depending on the company's needs, we offer:

 

  • One-time guarantees for one pre-customs or customs procedure. The amount of the guarantee corresponds to the full amount paid to the customs office, which must be paid in order to release the goods into free circulation.

  • General guarantees, used for a longer period (up to one year) and for the maximum possible amount of debt before customs.

 

Fines, interest and other sanctions for violations of laws provided for by the laws of the Republic of Lithuania are not covered by the insurance.

Customs Guarantees Insurance

MANUFACTURING, TRADE, AND SERVICES

Employee Health Insurance

This is employee health insurance at the expense of the company. It gives insured employees the opportunity to receive health-related services faster and more conveniently - to choose health care institutions where they will be treated, visit the desired specialist doctors, perform various tests, buy medicines, use other health improvement services. Health insurance is one of the most motivating benefits for employees.

Insurance solutions for the manufacturing, trade and service sector

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