What is it about?
Personal liability insurance checks claims against you, pays valid claims within the insured cover and defends you against unjustified claims.
On this page
What is personal liability insurance?
Personal liability insurance protects against financial consequences of damage you cause to others in private life and for which you are legally liable. It checks claims, pays valid ones within the policy and defends unjustified demands. Your own losses and professional risks require other cover.
Understanding legal liability
Someone who culpably damages another person’s property or health may owe compensation under Germany’s Civil Code. This obligation exists whether or not they have insurance. Children, supervision duties and special liability situations have separate rules. Legal liability and the scope of insurance must therefore be assessed separately.
What does personal liability insurance cover?
Typical cover includes bodily injury, property damage and resulting financial losses within agreed limits. Serious injuries can create long-term costs. Benefits also include defending unfounded claims, in court where necessary. The policy specifies who is insured and which activities are included.
When does personal liability insurance not pay?
Deliberately caused damage is excluded. Damage to your own possessions, merely fulfilling a contract and many professional or motor vehicle risks are generally outside cover. Borrowed items, lost keys and claims between insured persons have specific rules. A rejection must be assessed against the actual incident and policy wording.
Is personal liability insurance worthwhile?
A relatively small premium can protect against substantial compensation risk, especially for bodily injury. Personal liability therefore forms part of basic financial protection. Check existing family or partner cover before taking out a separate policy. Suitable limits and correctly insured people matter more than the lowest price alone.
Which benefits should a personal liability policy include?
Look for a substantial overall limit and suitable family rules. Depending on your life, consider rented premises, private and work keys, uninsured claimants’ losses and damage caused by young children. Check sublimits and excesses. Overseas stays, volunteering and borrowed items should match your actual activities.
Who is it for?
For individuals, couples and families. The policy should reflect your household and everyday activities.
What we look at together
- Cover limits and insured people
- Damage to rented property, lost keys and exclusions
- Excess and specific everyday risks
What helps for our first conversation?
- Existing policy
- Household details
- Questions about particular activities
Your topic is enough for a first message. We agree on a suitable way to exchange personal documents or medical details later.