Private liability insurance – your comprehensive protection against financial consequences
With Helvetia’s private liability insurance, you can stay calm – even if something goes wrong. Protect yourself and your family from the major financial consequences of a small mistake.
Why is private liability insurance beneficial?
Helvetia covers claims for damages when third-party property is damaged or persons are injured.
Immediate assistance 24 hours a day, 365 days a year.
From young to old.
365 days a year.
Up to 20% savings when purchasing multiple Helvetia products
How private liability insurance protects you in everyday life
Helvetia private liability insurance financially protects you from losses you have caused – whether to persons or objects. Additionally, Helvetia supports you in defending against unjustified liability claims.
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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Combo discount
Combine two Helvetia products (e.g., home contents and personal liability insurance) and receive a 5% discount; each additional product provides an extra 5%, up to a maximum of 20%.
Services – immediate assistance and more!
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.
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