Stay relaxed at all times with Helvetia’s private liability insurance – even when the little ones go exploring again.
Private liability insurance covers personal injury and damage to property which could even threaten your livelihood. With personal liability insurance, you are protected against claims by third parties.
The insurance covers bodily injury and damages suffered by a third party as a result of your behaviour in your private life. The insurance also covers financial losses where these are attributable to an insured person or property damage.
With our basic insurance, you are fully insured as a:
The basic insurance also includes legal protection cover. The insurance covers claims for damages asserted against the originator of bodily injury and property damage inflicted on you. Financial loss is also insured, if this is preceded by bodily injury or property damage.
Important additional insurances can cover individual requirements – for example for teachers, ski and sports instructors, hunters or riders of loaned horses.
The private liability insurance is valid for you, your partner or spouse and any children (until they reach the age of 20) living in the joint household. The insurance covers damages anywhere in the world.
For risks that go beyond the basic insurance, our additional insurance gives you comprehensive protection – for example the third-party driver insurance for damages to motor vehicles belonging to third parties that you use. Can also be taken out for car sharing and rental vehicles.
As a builder, you can be held liable for damages, for example to the neighbouring plot, occurring during the building work – even if they are not your fault (strict liability). The private liability insurance protects you from the financial consequences for small building alterations. For building projects over CHF 200,000, it is worth taking out builder’s risk insurance.
With the liability cover of youth insurance for the under-25s. If the children live with their parents, then the private liability cover of the youth insurance is free of premium.
Combine private liability insurance with household contents, travel, legal protection or buildings insurance and get up to a 20% discount.
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Combination discount for private liability insurance: Combine private liability insurance with household contents, travel, legal protection or buildings insurance and get up to a 20% discount.
Basically, private liability insurance is not compulsory, but is certainly recommended. It covers damage to property and bodily injuries that you cause to third parties. Damages for which you are liable, e.g. bodily injuries, can lead to economic or financial ruin for an individual or a family. By concluding a private liability insurance, you are protected from such cases.
Example: A daredevil skier hits you on the piste and you have to go to hospital. As a result of this accident, you are unable to work for an extended period and therefore suffer a loss of earnings. These costs are covered by the private liability insurance of the speeding skier.
If you live alone in a household, then you should conclude individual insurance. The situation is different if you have a family, a partner or spouse and children who live in a joint household with you, in which case you need family insurance.
The sum insured can be either three, five or ten million Swiss francs and can be freely selected by you. People suffering damages are claiming more and more money, so we recommend a policy with a sum insured of five million. Where bodily injury and resulting consequential damages (e.g. loss of earnings) are involved, the costs can become particularly high.