Insurer profile
ERGO Insurance SE Latvijas filiāle (non-life) / ERGO Life Insurance SE Latvijas filiāle (life & health)
ERGO Insurance SE Latvijas filiāle (non-life) / ERGO Life Insurance SE Latvijas filiāle (life & health) · Latvia
Overview
ERGO is one of the leading insurance groups in Latvia and the Baltics, operating through two branches: ERGO Insurance SE Latvijas filiāle (non-life) and ERGO Life Insurance SE Latvijas filiāle (life and health). It offers a broad range of personal and commercial insurance products and is part of ERGO Group AG, a subsidiary of Munich Re. In January 2026, ERGO completed the acquisition of ADB Gjensidige in the Baltics, and the two brands are being merged during 2026.
Source27
Products in this market
3
Offer pages
Company details
- Parent group
- ERGO Group AG (part of Munich Re); Baltic non-life entity ERGO Insurance SE is registered in Estonia, Baltic life entity ERGO Life Insurance SE is registered in Lithuania
- Regulator
- Latvijas Banka (host-state supervisor for the Latvia branches); home-state supervisors are the Estonian Financial Supervisory Authority (Finantsinspektsioon) for ERGO Insurance SE and the Bank of Lithuania for ERGO Life Insurance SE
- Phone
- +371 22585500
- [email protected]
Products from ERGO Insurance SE Latvijas filiāle (non-life) / ERGO Life Insurance SE Latvijas filiāle (life & health)
Motor5
MTPL (OCTA) – Compulsory Third-Party Liability Insurance
Mandatory motor third-party liability insurance for vehicle owners, purchasable online with optional accident coverage for the driver.
KASKO – Comprehensive Motor Insurance
Comprehensive vehicle insurance covering damages, theft, natural elements and roadside assistance, including towing to a repair shop and a courtesy replacement car.
DubultOCTA – Combined MTPL and CASCO Policy
A combined insurance contract merging OCTA and CASCO principles: when another driver caused the accident the insured claims directly from ERGO, and in shared-fault cases receives full compensation from ERGO with a EUR 140 deductible; cover extends across Latvia, Lithuania and Estonia.
KASKO for Business Vehicles
Comprehensive vehicle insurance for company fleets, with customised offers for both small and large vehicle pools.
OCTA for Business Vehicles
Mandatory third-party liability insurance for company-owned motor vehicles, available online.
Property3
Home / Property Insurance for Individuals
Home and property insurance for private individuals covering fire, flood, theft, vandalism and natural elements, including contents insurance.
Contents Insurance (Household Effects)
Insurance for household contents including furniture, appliances, electronics and clothing, valid both within and outside the home.
Commercial Property and Equipment Insurance for Businesses
Property, equipment and technical risk insurance for businesses, covering fire, natural elements, theft and machinery breakdown.
Health5
Health Insurance for Individuals (PRIORA / PRIORA PLUS)
Individual health insurance plans (PRIORA and PRIORA PLUS) covering outpatient, inpatient, dental and specialist services, available to buy for ages 1–60 and renewable up to age 65.
Employee Health Insurance for Companies
Group health insurance for corporate employees, enabling fast access to medical services and reducing employee absence.
Personal Accident Insurance
Accident insurance covering trauma, permanent disability and death due to an accident, with optional hospital cash and daily benefit.
Cancer and Critical Illness Insurance
Insurance providing a lump-sum payment upon diagnosis of cancer or one of 38 critical illnesses such as heart attack or stroke.
Employee Accident Insurance for Businesses
Accident insurance for employees protecting them and their families against financial loss resulting from accidents causing health problems or death.
Liability2
Civil Liability Insurance for Individuals
Personal civil liability insurance protecting individuals against financial losses if they accidentally cause damage to third-party property or persons.
General Third-Party Liability Insurance for Businesses
Business liability insurance protecting companies from financial losses if they accidentally cause damage to the property or persons of others.
Travel2
Travel Insurance
Travel insurance covering medical expenses, accident, personal liability, baggage and trip cancellation/alteration for travel abroad.
ERGO Bonus Insurance Package for TEZ TOUR Travellers
A complimentary add-on travel protection developed with tour operator TEZ TOUR, covering situations like delayed hotel check-in, missed prepaid excursions, baggage damage during transfers or weather-related activity disruptions.
Life4
Personal and Life Insurance for Family Protection
Life risk insurance providing financial protection for family in the event of death or disability, suitable also for borrowers with loan obligations.
Savings with Life Insurance (Endowment)
Unit-linked endowment life insurance allowing capital accumulation for future goals (education, retirement) combined with life risk protection and tax relief.
Lifetime Pension Insurance (Annuity)
Lifelong pension annuity product using second-pillar pension savings, guaranteeing regular pension payments for life.
Employee Life and Savings Insurance for Businesses
Corporate life risk and private pension savings insurance for employees, providing financial support to families in the event of death and tax benefits for employers.
Other5
Cargo / Goods in Transit (CMR) Insurance
Insurance covering financial losses if goods are lost or damaged during transport, including shipments handled by third parties.
Technical Risk / Machinery Breakdown Insurance
Insurance covering repair or replacement costs for business machinery and equipment in the event of breakdown or damage.
Watercraft / Boat Insurance
Insurance for watercraft protecting the vessel, its equipment, inventory and personal belongings on board against damage and loss.
Livestock Insurance
Insurance covering financial losses from the death, illness or forced slaughter of insured farm livestock.
Special Machinery / Heavy Equipment Insurance
Insurance for special machinery and heavy equipment such as construction and agricultural machines against damage, theft or breakdown.
Regulatory updates
ERGO Insurance SE Latvia branch (reg. No. 40103599913) holds an active licence (No. 06.08.04.01/125) valid from 24.10.2012, covering multiple non-life classes including accident, health, land vehicle, rail rolling stock, ship, goods-in-transit and fire/property insurance. On 2 January 2026, ERGO International AG completed the acquisition of ADB Gjensidige in the Baltic states, after receiving approval from the competition authorities of Latvia, Lithuania and Estonia. During a transition period ERGO and Gjensidige continue operating as separate companies, with the Gjensidige brand disappearing from the Baltic market by the end of 2026 as the two companies are fully merged; Gjensidige Latvia's website has been moved to a temporary address (ergobaltic.lv) ahead of full integration into ergo.lv.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from ERGO for the Latvia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Motor third-party liability
motor third-party liability insurance from ERGO for the Latvia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
travel insurance from ERGO for the Latvia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026