Insurer profile
AAS BTA Baltic Insurance Company
BTA Baltic Insurance Company is the insurance market leader in the Baltic States, offering a broad range of non-life insurance products including motor, property, health, travel, and accident insurance to both private individuals and businesses.
Source- Legal entity
- AAS BTA Baltic Insurance Company
- Headquarters
- Riga, Latvia
- Parent group
- Vienna Insurance Group AG
- Regulator
- Latvijas Banka (Bank of Latvia)
- Phone
- +371 26121212
- bta@bta.lv
- Last verified
- May 1, 2026
Products from AAS BTA Baltic Insurance Company
motor
MTPL Insurance (OCTA)
Compulsory motor third-party liability insurance covering damage caused to third parties in road traffic accidents.
motor
CASCO Insurance (KASKO)
Comprehensive motor insurance covering damage to your own vehicle from accidents, natural disasters, theft, vandalism, and other risks.
motor
MTPL + CASCO Combined (OCTA un KASKO)
Combined purchase of compulsory MTPL and comprehensive CASCO motor insurance in a single package.
property
Private House Insurance
Insurance for private houses covering the building, contents, and liability against fire, flood, storm, theft, and other risks.
property
Apartment Insurance
Insurance for apartments covering the interior, contents, and civil liability for damage caused to neighbours.
property
Solar Panel Insurance
Insurance specifically for solar panels against damage from weather events, fire, theft, and other unforeseen incidents.
property
Devices and Property Insurance
Insurance for electronic devices and personal property including smartphones, laptops, and household items against damage, theft, and breakdowns.
property
Renter's Insurance
Insurance for tenants covering personal belongings and civil liability while renting a property.
health
Health Insurance (Private Individuals)
Comprehensive health insurance for private individuals providing access to the widest network of medical institutions in Latvia.
health
Employee Health Insurance
Group health insurance for company employees offering individual coverage programmes and employer tax benefits.
health
Personal Accident Insurance
Personal accident insurance for individuals covering treatment costs, disability, and death benefits arising from accidents, including hobby and sports activities.
health
Family Accident Insurance
Accident insurance designed for the whole family, covering parents and children against injuries and accidents in daily life.
health
One-Day Accident Insurance
Single-day accident insurance starting from 1 euro, ideal for one-off events such as amusement parks, trampoline parks, or outdoor activities.
health
Employee Accident Insurance
Accident insurance for company employees covering workplace and off-work accidents with employer tax benefits.
travel
Travel Insurance (Private)
Travel insurance for private individuals providing financial protection and remote medical consultations against unexpected events during travel.
travel
Business Travel Insurance
Travel insurance for business trips, protecting employees from unexpected costs during work-related travel abroad.
travel
Multi-Trip Travel Insurance
Annual multi-trip travel insurance policy for frequent travellers or companies requiring coverage for multiple journeys throughout the year.
other
Bicycle Insurance (Velo Policy)
Bicycle insurance covering the bike against theft, damage, and civil liability, as well as personal accident coverage for the cyclist.
other
Velo Plus Insurance (Active Recreation Equipment)
Insurance for bicycles, scooters, and other active recreation equipment against damage from collisions and accidents, covering up to 5 items and persons.
liability
UAV / Drone Owner Liability Insurance
Compulsory and voluntary civil liability insurance for drone (UAV) owners covering damage to third-party property, health, and the environment.
property
Commercial Property Insurance
Insurance for commercial buildings, fixed assets, and equipment for businesses of all sizes against fire, flood, storm, theft, and other risks.
property
Business Interruption Insurance
Insurance covering loss of income and fixed expenses when business operations are interrupted due to an insured event.
property
Equipment and Machinery Insurance
Insurance for business machinery and equipment against mechanical or electrical breakdown, accidental damage, and other risks.
liability
Professional Civil Liability Insurance
Professional liability insurance for companies and individuals covering claims arising from errors or omissions in professional services.
liability
General Civil Liability Insurance
General third-party liability insurance for businesses covering bodily injury, property damage, legal costs, and rescue expenses caused to third parties.
other
Specialized Equipment Insurance
Insurance for special-purpose machinery and equipment such as cranes, construction machinery, agricultural machinery, and forklifts against damage and loss.
other
Recreational Watercraft Insurance
Insurance for recreational watercraft covering damage while on water, during loading, unloading, and transport on a trailer.
motor
MTPL Insurance for Businesses (OCTA)
Compulsory motor third-party liability insurance for business vehicle fleets.
motor
CASCO Insurance for Businesses (KASKO)
Comprehensive vehicle insurance for business-owned vehicles against accidents, theft, and natural disaster damage.
financial
Miscellaneous Financial Loss Insurance
Insurance covering miscellaneous financial losses for businesses, licensed under BTA's financial loss insurance class.
Regulatory updates
AAS BTA Baltic Insurance Company is registered and licensed as a non-life insurer under Latvijas Banka (Bank of Latvia), which assumed supervisory responsibilities for the insurance sector from the former Financial and Capital Market Commission (FKTK). The company holds licences for all major non-life insurance classes including accident, health, motor, property, and liability (licence No. 06.07.04/392 et al., valid from 10.06.2015). Latvijas Banka's 2025 supervision plan includes 3 on-site inspections in the insurance sector, focusing on operational resilience, business model sustainability, and market conduct risk.