Personal liability is liability insurance for private individuals. Like third-party liability , it covers damage/loss that you cause to your fellow human beings in your day-to-day life. For example, it pays the costs incurred if you drop your neighbour's power drill or break a window pane in your rented apartment. In short, personal liability cover protects you from the financial consequences of mishaps.
In addition to such property damage, personal liability insurance also covers personal injury. So if you accidentally injure someone, your personal liability insurance will pay for the costs. For example, if you are insufficiently cautious while skiing and accidentally collide with an elderly gentleman, or if your dog bites a child while out on its walk. You can find out which other types of loss and damage are covered on our .
By the way, damage to your own property is not insured. For this, you need household contents insurance. If you take out your personal liability and together in a , you will benefit from a combination discount.
With most insurance policies, you can choose between sums insured of CHF 3, 5 or 10 million. This is the maximum amount insured per claim. That sounds like a lot of money at first, but if you accidentally injure a person and they are no longer able to work, the costs can quickly run into the hundreds of thousands or even millions. Without appropriate insurance cover, you face personal ruin. In terms of cover and personal liability, we therefore always recommend that you opt for the highest possible sum insured.
In addition to the basic cover, most insurance companies offer additional forms of cover in personal liability. These include, for example, what is known as "third-party driver insurance". Under this type of cover, you are also insured if you drive someone else's vehicle from time to time. Find out exactly how this works and whether it's worthwhile for you in our .