Personal Liability Insurance

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. Young people under the age of 30 receive generous discounts. 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
  • Young people under the age of 30 receive generous discounts

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

Attractive terms

  • Up to the age of 25, you benefit from a young persons' discount of up to 30% on your Personal liability insurance
  • Up to the age of 30, you benefit from a maximum premium discount of up to 20% on your Personal liability insurance

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Overall score of 5.2 in the "Comparis" private liability and household insurance test

Comparis.ch conducted a survey on customer satisfaction with the Swiss private liability and household insurance companies in collaboration with the market research institution GfK. Zurich achieved a good overall score of 5.2 (test: 05/2018). 

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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.

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