Publications

10% Security Contribution from 1 January 2026: what you should know

2025-10-09 | Expert opinion

Approved cap on employer-funded Health insurance: what does it mean for your company?

27-06-2025 | Expert opinion

15 years together: the value we create together

25-03-2025 | Anniversary message

Importance of the new cyber security law for Lithuanian organizations

05-11-2024 | Expert opinion

Greeting

21-12-2023 | Greeting

Cyber ​​security: how to protect the company from significant financial losses

28-11-2019 | Article

Overview of the construction sector insurance market

02-05-2017 | Article

D&O insurance is gaining the momentum

29-04-2016 | Article

10% Security Contribution from 1 January 2026: what you should know?

Starting 1 January 2026, a 10% security contribution will apply to most non-life insurance policies in Lithuania. Below is a quick overview of what this means and how it may affect your business.

When does it apply? The contribution applies to all policies issued or amended on or after 1 January 2026.
What matters most? It’s the date your policy is signed or changed that determines whether the contribution applies — not the date your premium is paid.
Which insurance types are included? The contribution covers most non-life insurance categories.
Who handles the payment? Your insurer will calculate, declare, and pay the contribution on your behalf — no action is required from you.

Changes to existing policies
If you amend an existing policy after 1 January 2026, the contribution applies only to the changed part and only from the date the change takes effect.
Example:

• Policy period: 1 July 2025 – 30 June 2026
• On 1 February 2026, the sum insured increases from €1,000,000 to €1,200,000
• → The 10% contribution applies only to the additional €200,000 and only for the period starting 1 February 2026.

Key exceptions (non-exhaustive)

• Compulsory motor third-party liability (MTPL) for private individuals when the vehicle is used for personal purposes.
• Certain agricultural insurance policies, such as crop or livestock insurance.

If a policy includes mixed use (for example, some vehicles used privately and others for business), it’s important to keep usage clearly separated and documented.

• The personal use portion may qualify for exemption.
• The business use portion does not.

When this information is relevant for you:
You may be affected if you:

• Have policies ending in early 2026 that may be renewed or amended after 1 January 2026
• Are planning policy updates in Q1 2026 (for example, coverage limits, deductibles, or insured risks)
• Use a quarterly premium payment schedule and need clarity on how it links to the new contribution
• Have agricultural insurance and want to confirm whether your coverage is exempt
• Hold long-term policies that extend across 2025 and 2026

Why it’s worth preparing early
December is always a busy time — and this year, with more changes in the insurance market than usual, early planning can help avoid last-minute rushes. If any of the points above raise questions, contact us today. We’ll review what’s relevant for your policies, explain how the new contribution applies, and help you plan with confidence.