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Personal liability insurance. Keep calm when something goes awry.

Q: Why is the sum insured on personal liability insurance so high?

When taking out your personal liability insurance, you can choose between a sum insured of CHF 5 million, CHF 10 million, CHF 15 million or CHF 20 million. The sum insured needs to be in the millions, as very high costs are quickly incurred, especially when other people are injured.

Cover yourself and your family against minor acts of carelessness with major financial consequences so that you can keep your composure even when something goes wrong.

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Round-the-clock assistance guaranteed 365 days a year

Up to 20% combination discount

All persons living in the same household are insured

Worldwide cover for rental vehicles

Deductible from CHF 0

The benefits we offer you

Personal liability insurance provides you with financial cover for any losses caused by yourself – whether through injury to people or damage to property. This means you can relax and do not have to think about the costs incurred in the event of losses or minor acts of carelessness. Helvetia also assists you when contesting unfounded liability claims.

Helvetia provides support, if:

you scratch the parquet floor of your rented apartment.
you collide with and injure another person while on your bicycle. spill wine on your friends’ sofa.

you spill wine on your friends’ sofa.
your children break the neighbor's window while playing football.

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Increase your cover to give you the extra protection you need.

Non-owner drivers

Worldwide cover for losses arising from the use of third-party vehicles, 365 days a year.

Cyber

Covers you against losses caused by inadvertently spreading viruses, unintentionally infringing trademark and copyright law online and being negligent with others’ data.

Model aircraft and drones

The additional package covers you as the owner or user of aircraft requiring authorization for injury to third parties or damage to their property.

Teachers

Covers you against the financial consequences of professional activities, such as when taking school pupils on excursions.

Riding horses owned by third parties

Covers you against veterinary and equipment costs if you have an accident while riding a borrowed horse.

Our services

Have you lost your keys and cannot get into your home? Or is a wasps’ nest causing you trouble? Our services make your everyday life easier.

Premium waiver

If you are unable to work, you no longer have to pay insurance premiums, but do continue to enjoy full insurance cover.

Waiver of gross negligence

In the event of your gross negligence, we do not reduce the benefits you are entitled to.

Home Assistance

On your behalf, we assume the cost of workmen’s services, removing wasps’, hornets’ or bees’ nests, measures taken immediately in the event of a technical defect and security services.

Locksmith service

We have all experienced it: all of a sudden, the key is gone and you cannot get into your home. We organize a workman for you.

Card blocking service

If you lose your SIM, debit or credit card, we take care of having it blocked.

Legal advice

Our independent legal service – Coop Rechtsschutz - advises you on all legal queries and legal disputes.

Psychological follow-up support

We will assist you after a traumatic event, such as a break-in, and will arrange for support from the right expert.

Update guarantee

We always settle your claim in accordance with the latest insurance terms that are best for you.

Under 27 years of age?

Helvetia YOUniverse bietet den optimalen Versicherungsschutz ganz nach Ihren Bedürfnissen at particularly attractive premiums.

Go to Helvetia YOUniverse

No small print: when does a personal liability insurance policy pay out, and when does it not?

Your insurance pays out if ...

… you inadvertently cause third parties to suffer loss and damage, e.g. injury.

… you accidentally lose, damage or destroy items owned by third parties.

… third parties file unfounded compensation claims against you and you incur defence costs.

... members of your household (e.g. children) who are not included in your liability cover cause bodily injury or damage to property.

Your insurance does not pay out if ...

… you deliberately cause losses or intentionally commit an offence.

.… items used commercially or professionally are damaged.

… losses arise as a result of unforeseeable events such as war, terrorism, internal unrest or nuclear disasters.

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20% combination discount. Benefit now and secure a discount.

Combine your household contents, personal liability, travel, legal protection and buildings insurance and get a discount of up to 20%.

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Calculate premium

Your questions. Our answers.

Is it mandatory for me to have personal liability insurance?

Personal liability insurance is not mandatory in Switzerland, but it is highly recommended.

If you, your children or your pets unintentionally cause someone else to suffer a loss, you are liable for that out of your own assets. Personal liability insurance covers the cost of small acts of carelessness, such as when you scratch the parquet flooring in your rental accommodation, through to costs incurred when another person is injured. This includes not just treatment costs, but also costs for consequential losses such as the injured person’s loss of earnings – in other words, it quickly becomes very expensive. That is why personal liability insurance is indispensable.

Why is the sum insured on personal liability insurance so high?

Who is covered by a personal liability insurance policy?

Everyone living with you in the same household is covered by your personal liability insurance policy. This is also true of children who temporarily live elsewhere, provided they are still officially registered as living at home.

If you move in with your partner, you only need one personal liability insurance policy. Extend one policy to cover a multi-person household and cancel the other. That way, you can save on the premium.

Who is liable for children?

The neighbour’s window is broken or there is some scribbling on the wall in your rental accommodation – small mishaps can quickly happen. But don’t worry, children are covered by their parents’ personal liability insurance. This includes any losses that occur when friends or grandparents are minding the children, for example.

If, on the other hand, your child causes a loss at the daycare centre, it is usually the daycare centre that is liable, as it is responsible for minding the child.

Does personal liability insurance also apply to self-employed people?

Personal liability insurance also covers losses that you cause while carrying out your job as a self-employed person. At least if your annual income does not exceed CHF 40,000. If you earn more than CHF 40,000 a year, you need a separate professional indemnity insurance policy.

The terms and conditions apply to self-employed people in the following occupations:

Hairdresser, cosmetician, pedicurist/manicurist, nail designer, child minder, babysitter, au pair, tutor, dog-sitter, house-sitter, caretaker, cleaner, musician, actor, baker, pastry chef, confectioner, caterer, entertainer, farmer or photographer.

In the case of all other activities in self-employment, losses are covered by your personal liability insurance, provided your annual turnover is no more than CHF 5,000.