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Personal liability

If you cause harm to another person, you are liable with all your assets, with no statutory upper limit. Personal liability insurance (Privathaftpflicht) pays valid claims and defends against unjustified ones.

What matters

  • Cover limitThis should be high enough to cover personal injury and property damage.
  • FamilyPartners and children are included in family policies.
  • Unrecoverable claims coverThis helps if someone causes you harm and cannot pay.
  • Rented property and keysThese types of cover are missing from some policies.

Who is this suitable for?

For every household.