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Personal liability insurance


Just imagine a scenario where you unintentionally spill coffee over the laptop of your colleague or if your child broke a window of your neighbor. Many of such events can occur unintentionally or intentionally and can occur in personal liability. This is why it is important to insure against such events through the personal liability insurance.


Personal liability occurs when you or a person, animal or property you are responsible for causes loss or damage to a third party. In that situation, you have the obligation to compensate another person. Liability insurance is not mandatory but highly recommended because anyone can be held liable to the extent not only of their total assets but also their current and future income.

When do you incur liability?



 Some other examples when you can incur personal liability are:
- if you break your colleague’s glasses;
- if your dog attacks someone in the street and rips their brand-new clothes;
- or if a flowerpot falls from your balcony and damages the car parked below. 

What does liability insurance cover?
Liability insurance provides coverage for you and your family for:
  • ·         personal injury and damage to property,
  • ·         damage prevention costs,
  • ·         loss of income or assets due to personal injury or damage to property,

Some additional options are also available for example, coverage for damage you might cause to cars that you regularly drive, but which you do not own like the mobility car service in Switzerland. It should be noted that proof of liability insurance is required for renting an apartment. The insurance should also cover you for damage to the property. 
What liability insurance does not cover?
Liability insurance does not cover:
  •       damage, injury or losses that you or a person living in your household sustains,
  •       damage due to wear and tear,
  •       damage, injury or losses that are or should have been foreseeable,
  •       losses related to the transmission  of a contagious disease,
  •       damage, injury or losses caused by an intentional felony or misdemeanor.

If you have additional queries regarding health insurance and supplementary insurance in Switzerland, contact us and we can provide you optimum solution for your queries.

Maciej.jasiczak@swisslife-select.ch
  Mob: +41 79 319 68 03


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