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Personal Liability Insurance

Personal Liability Insurance

Zurich will cover the costs if you cause damage to other people or their property – anywhere in the world. Family members in the same household travel more cheaply with a joint policy. Young adults up to 30 years old save money thanks to attractive terms.

Good reasons for the Personal Liability Insurance

The whole family covered

Your kids are creative. How nice! However, it’s not so great if they choose the wall of the vacation apartment as their canvass.


Your reward for claim-free years

One year followed another without you having to make a claim. It's great that you're so careful. We reward that. 

Zurich benefits

We offer benefits such as no-claims bonuses of 15%, combined discounts with other Zurich insurance policies, and bonuses for young adults.

Insurance benefits

Basic insurance Supplementary insurance Exclusively from an insurance advisor
Please refer to our factsheet, AVBs or your personal policy for the exact sums insured and further details.

Information and frequently asked questions about the Personal Liability Insurance

What is personal liability insurance?

Personal liability insurance is traditionally often concluded together with household contents insurance, but substantively has nothing to do with it. This is because you do not insure any objects with it; liability insurance instead covers particular claims in your personal life for which you have statutory liability. These include claims for which you are liable vis-a-vis third parties, because you unintentionally run into someone with your bicycle, carelessly knock over a valuable vase of an acquaintance or accidentally spill a glass of water over his laptop. Due to statutory liability provisions – so-called causal liabilities – you can also be held liable for claims caused e.g. by your children or pets. In addition, tenant claims are also covered in the personal liability insurance, i.e. damage and destruction of your personally occupied rental property.

Further products and services

Men from several generations plant a tree together.

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.

A person protecting a dandelion on a meadow.

Good advice on legal cases

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

Drive a car

Car Insurance

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

Living guide

Laughing woman

As a result, you enjoy all-round protection at home.

Household insurance covers household contents insurance and personal liability insurance and is the basic insurance for your home.
Contents Insurance

When the vase gets smashed

Minor misfortunes can have expensive consequences. The seven most important reasons why it pays to have personal liability insurance.