How Can a Business Submit an Insurance Claim to BALTA? (2026)
In this article, Perks Insurance Brokers explain the key steps businesses should take when submitting an insurance claim to BALTA.
When Should You Report an Incident?
The sooner, the better. We recommend submitting a claim immediately after the incident or as soon as you become aware of it.
Prompt reporting allows the insurer to begin assessing the claim sooner and helps ensure that important evidence is not lost. Always check the reporting deadlines specified in your insurance policy.
What Should You Do Before Submitting a Claim?
Depending on the situation, we recommend:
Preventing further damage, if it is safe to do so
Taking photographs of the damage. You can rarely have too many
Recording the date and time of the incident
Keeping damaged property, where possible
Preparing repair estimates or invoices
Obtaining a report from the police or emergency services, if required
Taking these steps can help speed up the claims assessment process.
How Can a Business Submit a Claim to BALTA?
You can submit a claim:
Through the https://balta.lv/en/private/submit-claim
Through the BALTA mobile app
By phone at +371 67533375
Through Perks
What Information Will You Need?
Prepare the following information where applicable:
Policy number, if known
Company name and registration number
Date and location of the incident
Description of what happened
Estimate of the damage
Photographs and supporting documents
Documents You May Need by Type of Insurance
Property Insurance
You may need:
Photographs
Repair estimate
Land Registry documentation
Floor plan
Liability Insurance
You may need:
Description of the incident
Claim from the injured or affected party
Incident report or police statement
Supporting evidence
Company Vehicles
You may need:
Agreed statement of facts or police report
Driver and vehicle details
Photographs
What Happens After You Submit a Claim?
BALTA will assess the information provided and, if necessary:
Request additional documents
Arrange an expert assessment or inspection
Responding promptly to requests from the insurer can help prevent unnecessary delays and keep the claim moving forward.
Common Mistakes That Can Delay Claim Processing
Some of the most common problems include:
Reporting the incident too late
Starting repairs before photographing the damage
Missing documents or invoices
Disposing of damaged property or repairing it without prior approval
Practical Tips from Perks
We recommend photographing and documenting everything relevant to the incident. When the information and supporting documents are organised from the beginning, the insurer has what it needs to assess the claim, reducing the risk of avoidable delays.
Frequently Asked Questions
How quickly should I report an incident to BALTA?
Immediately, but no later than within 3 days.
Can my broker submit the claim on my behalf?
Yes. Perks can submit the claim on your behalf.
Which documents are mandatory?
A claim application and other documents depending on the insurance type and the specific policy. Documents could include incident reports, property or vehicle records, photographs, invoices, etc.
Can I begin urgent repairs before BALTA responds?
Yes, if the repairs are necessary to prevent further damage.
What happens if additional damage is discovered later?
Additional damage can be added to the existing claim.
Will BALTA visit the property to inspect the damage?
Yes. If necessary, an on-site inspection of the damage may be arranged.
Insurance Brokers | Riga, Latvia
Setting a new standard for insurance brokerages in Latvia, keeping client interests first - always.
+371 26 668 558
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