You drop a heavy pan on your kitchen floor, damaging some tiles. Normally, you’d have to pay your landlord for the damages—but your personal liability insurance covers the cost of repairs.
You collide with someone during a friendly game of football in the park, leaving them unable to work for six weeks. This policy covers any medical costs and lost wages.
Loss of assets
You accidentally spill coffee on someone’s computer in a coworking space. Without their computer, the person is unable to finish a project by their deadline and loses €500. This policy covers not only the cost of replacing the computer, but also the affected person’s lost wages.
You lose the keys to your workplace, so your company has to replace all locks and keys—not only for your office, but for all other offices in the building. This costs several thousand euros. Your policy covers all costs associated with the incident.
What is personal liability insurance?
A personal liability insurance (Privathaftpflichtversicherung in German) protects you against life’s unpredictabilities. Our policy covers up to €30 million in costs related to property damage, personal injury, and asset loss.
Did you know that a personal liability insurance policy is required by many landlords?