We identify what truly matters most to the business

Complex risk is not a reason to stop.

WITE analyses commercial risks, designs tailored insurance solutions, and sources the required capacity in Lithuanian and international markets.

Risk management consulting Insurance contract audit Tailored risk management and insurance programmes Insurance bonds International solutions
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Premium alone does not show how much and what kind of risk remains uncovered.

We assess which risks are transferred to insurers, which stay with the business, and what financial impact they may have. We analyse coverage scope, limits, exclusions and the overall financial logic of the programme.

WITE is the right partner when:

  • the business has no clear risk management policy;
  • a standard market offer does not meet operational or contractual requirements;
  • company risks have changed, but insurance coverage has not;
  • existing guarantee or insurance bond limits are insufficient to sign a contract or participate in a public tender;
  • the required coverage or capacity is not available in the Lithuanian insurance market;
  • in the event of a loss, existing coverage would not be enough to restore operations;
  • operations across several countries require coordinated insurance coverage.

Risk first. Insurance second.

We analyse the company's operations, assets, contractual obligations and the potential financial impact of risks. We identify where existing coverage is insufficient, what terms and limits are needed, and which market can provide them.

When a standard solution is not enough, we also change the market search strategy.

Risk management. Insurance. Bonds.

We assess each risk by its potential impact on operations and finances. We determine which part should be reduced, retained by the company, or transferred to insurers.

Risk management

We assess the company's operations, identify the most material risks, their interdependencies and potential financial impact.

  • Insurance contract and business risk audit
  • Operational risk diagnostics and mapping
  • Business continuity assessment
  • Risk reduction recommendations

Corporate insurance

Based on identified risks, we structure insurance coverage and negotiate its terms and limits.

  • Property and business interruption insurance
  • Property insurance against war and terrorism risks
  • General and professional liability insurance
  • Directors' and officers' liability insurance (D&O)
  • Cyber risk insurance
  • Motor fleet insurance
  • Employee benefit solutions

Bonding, guarantees and international solutions

We assess contractual obligations and source bonding insurance, guarantees and international solutions where needed.

  • Bonding insurance
  • Guarantee limits and packages
  • Public procurement and contract insurance requirements review
  • International insurance bonding solutions
  • Tailored solutions for non-standard risks

Risk managed in sequence.

From the first assessment to ongoing insurance oversight — a clear sequence of work, decisions and accountability.

  1. Risk diagnostics

    We identify what may affect operations, finances and the fulfilment of contractual obligations.

  2. Priorities

    We separate risks to reduce, transfer to insurers, or consciously retain.

  3. Risk reduction

    We define measures that help lower the likelihood or scale of a loss.

  4. Insurance and market strategy

    We define the required coverage, terms, limits and capacity. We select the market that can deliver.

  5. Ongoing oversight

    We review coverage as operations, obligations and risks evolve.

  1. Risk diagnostics

    We identify what may affect operations, finances and the fulfilment of contractual obligations.

  2. Priorities

    We separate risks to reduce, transfer to insurers, or consciously retain.

  3. Risk reduction

    We define measures that help lower the likelihood or scale of a loss.

  4. Insurance and market strategy

    We define the required coverage, terms, limits and capacity. We select the market that can deliver.

  5. Ongoing oversight

    We review coverage as operations, obligations and risks evolve.

The larger the business, the costlier the gap.

We focus where we create the greatest added value — working with companies employing more than 50 people, generating from €10 million in annual revenue, managing significant assets, vehicle fleets or delivering complex projects.

Experience is long. The decision chain is short.

The WITE team brings together more than 20 years of insurance market experience and expertise across different fields. Clients work directly with people who assess the situation, make decisions and stand behind them.

The market is chosen by risk. Not the other way around.

We work with Lithuanian insurers and international partners. We assess the nature of the risk, required capacity, proposed insurance terms and the company's geographic footprint. Based on that, we decide which market to approach.

When a loss occurs, we represent your interests.

We coordinate claim information and documentation, assess how coverage and contract terms apply, build the client's position and represent them in discussions with insurers until a decision is reached.

  1. Assessment of loss circumstances and insurance coverage

  2. Coordination of document preparation and submission

  3. Building the client's position

  4. Representation in discussions with insurers