Personal Liability Insurance

Coverage if you cause damage or injury to another person

A broken window when playing football or a broken lens on a borrowed camera: Personal liability insurance can prevent a mishap from turning into a disaster. Zurich covers the costs of personal injury or property damage to third parties worldwide. You can calculate your individual premium easily online.

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Liability insurance up to 10 million

Our private liability insurance offers you payments up to CHF 10 million.

Comprehensive coverage in any situation

You decide whether you would like to have gross negligence insured: in this case Zurich waives a cut in payment in the event of gross negligence on your part.

Family-friendly insurance

The insurance coverage applies to everyone living in the same household.

Benefits at a glance

Protection against the financial consequences of bodily injury and property damage claims
Third-party items in your care are also insured
Families, spouses and civil partners including employed children living in the same household enjoy common insurance coverage
After three claim-free years your deductible lapses
15% no-claims bonus after three claim-free years
Discounts in combination with motor vehicle or life insurance

In detail

In addition to comprehensive basic benefits, Zurich Personal Liability Insurance also offers additional insurance coverage: e.g. if you drive a third-party motor vehicle, own a dog, go hunting or rent a horse.

Basic coverage

The financial consequences of the following claims are covered:

Bodily injury: i.e. killing, injuring or otherwise impairing the health of persons
Property damage: i.e. destroying, damaging or losing property; killing, injuring or losing animals

Additional insurances

Waiver of gross negligence deduction
Damage to used third-party motor vehicles (up to 3,500 kg)

Exclusively from your insurance advisor

Teacher PLUS: assistance and passive legal protection insurance
Supplementary insurance for hunters, people renting horses, wine growers and side jobs over CHF 6,000 per year
Recourse protection for teachers and police officers

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GCI Household Insurance [PDF, 471 KB]

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Calculate your premium now

Create your individual insurance package and receive an immediate personal offer for your premiums. Then conclude your personal liability insurance conveniently online.

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Your Service

Effective protection against claims for damages. We would be glad to advise you.

Term life insurance

If you have special responsibilities, for example in your family or as an entrepreneur, you should provide financial security in the event of death.

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Good advice on legal cases

Disputes can easily end up in court. Personal legal expenses insurance pays your costs and provides you with lawyers.

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Keep your motor running

Third party liability, collision or partial casco: Zurich delivers the optimum choice in coverage for your individual car insurance.

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