Private liability
Personal liability insurance covers damage that you unintentionally cause to other people, animals, or third-party property:
- Liability for property damage
- Liability for personal injury
- Defense against unjustified claims against you
Examples:
- Your child breaks a neighbour's window
- As a cyclist, you cause an accident and seriously injure a person who becomes unable to work
- Something falls on the glass ceramic stove in your rented apartment and the glass shatters
- A landlord wants you to pay for damage for which you are not liable
Who is this coverage suitable for?
Personal liability insurance is essential—it is much cheaper than most Swiss people's cell phone plans and offers protection even for high claims. Cyclists, tenants, pet owners, and families are particularly dependent on it.