Insurer profile

ERGO Insurance SE Lithuanian Branch (non-life) and ERGO Life Insurance SE (life and health)

ERGO Insurance SE Lithuanian Branch (non-life) and ERGO Life Insurance SE (life and health) · Lithuania

Founded 1991Vilnius, LithuaniaLast verified Sep 27, 2026

Overview

ERGO is one of the leading insurance groups in the Baltic states, offering a comprehensive range of non-life, life and health insurance products. Non-life insurance solutions in Lithuania are provided by ERGO Insurance SE (Lithuanian branch), while ERGO Life Insurance SE provides life and health insurance. Both companies are part of the international ERGO Group, ultimately owned by Munich Re. In January 2026, ERGO International AG completed the acquisition of non-life insurer ADB Gjensidige in the Baltic states, and the two companies are being merged during 2026, with ERGO becoming the resulting brand.

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Company details

Parent group: ERGO Group AG (Munich Re)
Regulator: Bank of Lithuania (Lietuvos bankas)
Phone: +370 5 268 3222
Email: [email protected]

Official website

Products from ERGO Insurance SE Lithuanian Branch (non-life) and ERGO Life Insurance SE (life and health)

Motor

Compulsory Motor Third-Party Liability Insurance (MTPL)

Mandatory insurance for all vehicle owners covering liability for damage caused to other persons' property or health in a road accident.

Casco (Comprehensive Motor) Insurance

Voluntary comprehensive vehicle insurance covering damage, theft, glass damage and related costs including a courtesy car, for the insured vehicle and its occupants.

Property

Home (Property) Insurance

Insurance covering residential property and household contents against unexpected damage or loss events.

Corporate Property Insurance

Insurance covering business property, equipment, inventory, and buildings against damage or loss.

Cargo (Freight) Insurance

Insurance covering loss or damage to goods during import, export, or domestic transportation.

Electronics (Mobile Technology) Insurance

Insurance covering electronic devices and mobile technology against accidental damage, theft, and breakdown.

Health

Accident Insurance (Personal)

Insurance providing financial compensation for injury, disability, or death caused by an accident, including daily allowance for temporary incapacity and cover for critical and additional illnesses.

Personal Health Insurance

Health insurance covering doctor consultations, dental care, rehabilitation and treatment for serious illnesses at chosen healthcare institutions.

Employee Health Insurance (Corporate)

Corporate health insurance plan for employees, covering medical expenses at partner healthcare institutions.

Liability

Personal Civil Liability Insurance

Insurance covering personal, family, property owner, cyclist, and pet owner liability for damage caused to third parties.

General Commercial Liability Insurance

Business liability insurance covering third-party property and bodily injury claims arising from commercial activities, products, and operations.

Employer's Liability Insurance

Insurance covering employer's civil liability for injury or damage suffered by employees during work or commuting.

Healthcare Institution Professional Liability Insurance

Professional liability insurance for healthcare institutions covering financial losses from damage caused to patients during medical service provision.

Attorneys' Professional Civil Liability Insurance

Mandatory professional liability insurance for attorneys covering claims arising from errors or omissions in legal services.

Compulsory Liability Insurance for Principal Investigators and Biomedical Research Sponsors

Mandatory liability insurance for biomedical research sponsors and principal investigators covering damage to research subjects.

Directors and Officers (D&O) Liability Insurance

Liability insurance protecting company directors and officers against claims for wrongful acts in their managerial capacity.

Freight Forwarder Liability Insurance

Insurance covering freight forwarders' liability for damage to or loss of cargo entrusted to them by clients.

Travel

Travel Insurance

Insurance covering medical expenses, accident, personal liability, baggage, and trip cancellation during travel abroad.

Life

Investment Life Insurance and Savings

Comprehensive life insurance offering death cover combined with investment fund allocation and long-term savings accumulation.

Life Risk Insurance

Term life insurance providing a lump-sum benefit to beneficiaries in the event of the insured person's death or critical illness.

Critical Illness Insurance

Insurance providing a lump-sum payment upon diagnosis of one of a list of up to 19 critical illnesses such as cancer, stroke, or heart attack.

Financial

Surety (Guarantee) Insurance – Bid, Advance Payment, Performance and Warranty

Surety insurance guaranteeing contractual obligations including bid bonds, advance payment bonds, performance bonds, and warranty bonds.

Cyber

Cyber Risk Insurance

Insurance covering business losses from cyber attacks, including property damage, data breach liability, business interruption, and IT recovery costs.

Other

Cyclist Insurance (Bicycle Rider Insurance)

Insurance for cyclists covering personal accidents and civil liability while riding a bicycle.

Regulatory updates

ERGO Insurance SE Lithuanian Branch and ERGO Life Insurance SE are both supervised by the Bank of Lithuania. On January 2, 2026, ERGO International AG completed the acquisition of ADB Gjensidige (the former Lithuanian subsidiary of Gjensidige Forsikring ASA), making ERGO the third-largest insurer in the Baltic states by premium volume. On June 29, 2026, ERGO Insurance SE received permission from the Estonian financial supervisory authority to carry out a cross-border merger with ADB Gjensidige, with ADB Gjensidige's health insurance portfolio being transferred to ERGO Life Insurance SE upon completion. The full legal merger and integration under the single ERGO brand is expected to be completed by the end of 2026; until then, ERGO and Gjensidige continue to operate as separate legal entities.