Step 01 · Liability in private life
A brief moment of carelessness can harm another person, their property or their finances. Personal liability insurance examines such claims and meets justified demands within the agreed scope of cover.
Under German law, anyone who unlawfully and culpably causes injury or loss to another person may be required to compensate them. The financial consequences of serious personal injury can continue for many years.
Personal liability insurance has two roles. It checks whether a claim for damages is justified and in what amount. It meets justified claims within the agreed cover and provides a legal defence against unfounded liability claims at its own expense.
The policy does not insure your own belongings. It covers your legal liability towards third parties and must therefore be distinguished from household contents, legal expenses and motor insurance.
Benefits vary by policy. The policy schedule and conditions are always decisive.
The key issue is not age or occupation alone, but whether a person has their own cover or is effectively included in another policy.
Anyone who is not protected through a family policy needs suitable personal cover for private liability risks.
Partners and children may be included depending on the policy. Names, household and education status must be reflected correctly.
Moving out, completing education, marriage, separation, a pet, property or self-employment can change the protection required.
A cyclist overlooks a pedestrian while turning. The pedestrian is injured and claims treatment costs, loss of earnings and other consequential losses. The insurer first examines liability and pays only to the extent that liability exists and the policy provides cover.
Illustrative example only — not personal advice and not a guarantee of cover, benefits or price.We consider cover and price together and review whether the protection fits the current situation.
We check which people are named or included through the policy wording.
Damage to rented premises, lost keys, voluntary work, property ownership, animals and other features are assessed systematically.
Limits, exclusions, deductibles and relevant sublimits are explained clearly.
Current policies are checked for gaps, overlaps and outdated information.
Questions and next steps remain transparent from selection to application.
We help structure documents and communication for the contractual claims process.
Some liability risks are deliberately outside personal liability insurance and require separate cover.
After liability towards others comes your own ability to work: what happens to income if health prevents you from continuing in your current occupation?
This page provides general information and does not replace personal advice or assessment of a particular policy. Whether cover exists and to what extent benefits are payable is determined in particular by the application, policy schedule and policy conditions.
