Insurer profile
ERGO Insurance SE Latvijas filiāle (non-life) / ERGO Life Insurance SE Latvijas filiāle (life & health)
ERGO is one of the leading insurance groups in Latvia and the Baltics, operating through two entities: 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.
Source- Legal entity
- ERGO Insurance SE Latvijas filiāle (non-life) / ERGO Life Insurance SE Latvijas filiāle (life & health)
- Headquarters
- Riga, Latvia
- Parent group
- ERGO Group AG (part of Munich Re)
- Regulator
- Latvijas Banka (Bank of Latvia) – Financial and Capital Market Commission (FKTK) functions integrated into Latvijas Banka
- Phone
- +371 22585500
- info@ergo.lv
- Last verified
- May 1, 2026
Products from ERGO Insurance SE Latvijas filiāle (non-life) / ERGO Life Insurance SE Latvijas filiāle (life & health)
motor
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.
motor
KASKO – Comprehensive Motor Insurance
Comprehensive vehicle insurance covering damages, theft, natural elements and roadside assistance for private customers.
motor
DubultOCTA – Combined MTPL and CASCO Policy
A combined insurance contract merging OCTA and CASCO principles, allowing the insured to claim from their own insurer regardless of fault.
motor
KASKO for Business Vehicles
Comprehensive vehicle insurance for company fleets, with customised offers for both small and large vehicle pools.
property
Home / Property Insurance for Individuals
Home and property insurance for private individuals covering fire, flood, theft, vandalism and natural elements, including contents insurance.
property
Contents Insurance (Household Effects)
Insurance for household contents including furniture, appliances, electronics and clothing, valid both within and outside the home.
property
Commercial Property and Equipment Insurance for Businesses
Property, equipment and technical risk insurance for businesses, covering fire, natural elements, theft and machinery breakdown.
health
Health Insurance for Individuals (PRIORA / PRIORA PLUS)
Individual health insurance plans (PRIORA and PRIORA PLUS) covering outpatient, inpatient, dental and specialist services, available for ages 1–65.
health
Employee Health Insurance for Companies
Group health insurance for corporate employees, enabling fast access to medical services and reducing employee absence.
travel
Travel Insurance
Travel insurance covering medical expenses, accident, personal liability, baggage and trip cancellation/alteration for travel abroad.
health
Personal Accident Insurance
Accident insurance covering trauma, permanent disability and death due to an accident, with optional hospital cash and daily benefit.
life
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.
health
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.
life
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.
life
Lifetime Pension Insurance (Annuity)
Lifelong pension annuity product using second-pillar pension savings, guaranteeing regular pension payments for life.
liability
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.
liability
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.
other
Cargo / Goods in Transit Insurance
Insurance covering financial losses if goods are lost or damaged during transport, including shipments handled by third parties.
other
Technical Risk / Machinery Breakdown Insurance
Insurance covering repair or replacement costs for business machinery and equipment in the event of breakdown or damage.
health
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.
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.
other
Watercraft / Boat Insurance
Insurance for watercraft protecting the vessel, its equipment, inventory and personal belongings on board against damage and loss.
motor
OCTA for Business Vehicles
Mandatory third-party liability insurance for company-owned motor vehicles, available online.
financial
Payment Protection Insurance
Insurance protecting loan and credit repayments in case the insured is unable to work due to illness, accident, or involuntary unemployment.
Regulatory updates
ERGO Insurance SE Latvia branch holds an active licence (No. 06.08.04.01/125) granted by Latvijas Banka, valid from 24.10.2012, covering 18 insurance classes. In January 2026, ERGO International AG completed the acquisition of ADB Gjensidige in the Baltic states, receiving all required regulatory approvals in Latvia, Lithuania and Estonia. Gjensidige started selling ERGO insurance products from 29 April 2026. The full legal merger of the two companies is expected to be completed by end of 2026.