Private liability insurance – your comprehensive protection against financial consequences
Why is private liability insurance beneficial?
Zurich covers compensation claims if third-party property is damaged or individuals are injured.
Immediate assistance 24 hours a day, 365 days a year.
From young to old.
365 days a year.
How private liability insurance protects you in everyday life
Typical examples:
Individual supplementary insurance policies for even more security
Expand your insurance coverage flexibly with the following additional coverages:
Worldwide protection for losses caused by the use of third-party vehicles (incl. rental vehicles, car-sharing, etc.) – 365 days a year.
Protection against losses from accidental virus spread, online legal infringements and negligent handling of data.
Insurance for aircraft requiring a permit (up to 30kg). Aircraft not requiring a permit are automatically included.
Insurance coverage for financial consequences arising from activities as a teacher, e.g., during excursions with students.
Protection in case of an accident with a borrowed horse – incl. vet and equipment costs.
What does private liability insurance cover?
It covers when...
It does not cover when...
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Frequently asked questions
1. Is private liability insurance mandatory?
No, it is not mandatory in Switzerland, but highly recommended.
2. What sums insured are available?
You can choose between CHF 5 million, CHF 10 million, CHF 15 million or CHF 20 million.
3. Who is liable for children?
Children are co-insured under their parents’ private liability insurance, regardless of whether they are with you or under the supervision of friends/grandparents. At a daycare, the institution is generally liable.
4. Does the protection also apply to self-employed individuals?
Yes, for certain professions up to CHF 40,000 annual sales. Restrictions apply to other self-employed activities. We would be happy to clarify details in a consultation.
Termination of health insurance 