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Personal liability insurance

By causing damage to somebody you become liable for it. This means you will need to pay for the damage. The personal liability insurance covers you from financial consequences of such claims. Faced with unjustified claims, your insurance company refuses compensation - in your defense

For example, you or a member of your family damage involuntarily third party property or bless a person. Your young children paint on the wall of your rented apartment or your dog bites the mailman. The personal liability insurance compensates such damage claims.


• Coverage of material and personal damages up to CHF 5 or 10 million guarantee limit

• Coverage for a person as e.g. tenant, owner-occupant, animal owner, cyclist or athlete

• Coverage for damage on motor vehicles borrowed on an occasional basis and for damage on entrusted objects

• Possible inclusion of all persons living in the same household within the family insurance policy

• Coverage of self-employed activities up to an annual turnover of CHF 20'000, e.g. babysitter, beautician, cleaner, musician, ski and sports instructor

• Coverage of building owner’s liability within conversion and extensions of buildings up to CHF 100'000 inclusive