Liability Insurance
A liability insurance comes into effect when you accidentally cause harm to someone else and are financially liable for it. This includes situations where the damage is a result of negligence, carelessness, or a forgotten duty. The insurance covers the expenses that you would otherwise have to pay out of your own pocket.
Protection from High Costs
For only about €43 per year, liability insurance covers the cost of accidental damage.
Ideal for Expats
We handle the entire process for you – in both English and German.
100% Digital
100% digital, without unnecessary paperwork or waiting times.
Liability Insurance
A liability insurance comes into effect when you accidentally cause harm to someone else and are financially liable for it. This includes situations where the damage is a result of negligence, carelessness, or a forgotten duty. The insurance covers the expenses that you would otherwise have to pay out of your own pocket.
Protection from High Costs
For only about €43 per year, liability insurance covers the cost of accidental damage.
Ideal for Expats
We handle the entire process for you – in both English and German.
100% Digital
100% digital, without unnecessary paperwork or waiting times.
Liability Insurance
A liability insurance comes into effect when you accidentally cause harm to someone else and are financially liable for it. This includes situations where the damage is a result of negligence, carelessness, or a forgotten duty. The insurance covers the expenses that you would otherwise have to pay out of your own pocket.
Protection from High Costs
For only about €43 per year, liability insurance covers the cost of accidental damage.
Ideal for Expats
We handle the entire process for you – in both English and German.
100% Digital
100% digital, without unnecessary paperwork or waiting times.
Types of damages that can easily occur in everyday life
What does Liability Insurance Cover?
Personal Injuries
If you cause physical harm to another person, such as injuries, poisoning or death, liability insurance comes into play.
Challenges in Daily Life:
Someone trips on the stairs in your house and gets injured.
You accidentally hurt a person in a crowded situation.
Property Damage
If you accidentally damage the property of others, the resulting damage will be settled by the liability insurance.
Challenges in Daily Life:
Your mobile phone gets stolen.
There is water damage in your apartment that also affects your neighbor's apartment.
Financial Damage
Liability insurance also covers financial damages if your actions unintentionally cause financial loss to a third party.
Challenges in Daily Life:
You have a bike accident with a pedestrian due to carelessness. Pedestrian becomes unfit for work.
You, as the tax advisor, miss the deadline. The tax office levies a late payment surcharge.
Types of damages that can easily occur in everyday life
What does Liability Insurance Cover?
Personal Injuries
If you cause physical harm to another person, such as injuries, poisoning or death, liability insurance comes into play.
Challenges in Daily Life:
Someone trips on the stairs in your house and gets injured.
You accidentally hurt a person in a crowded situation.
Property Damage
If you accidentally damage the property of others, the resulting damage will be settled by the liability insurance.
Challenges in Daily Life:
Your mobile phone gets stolen.
There is water damage in your apartment that also affects your neighbor's apartment.
Financial Damage
Liability insurance also covers financial damages if your actions unintentionally cause financial loss to a third party.
Challenges in Daily Life:
You have a bike accident with a pedestrian due to carelessness. Pedestrian becomes unfit for work.
You, as the tax advisor, miss the deadline. The tax office levies a late payment surcharge.
Types of damages that can easily occur in everyday life
What does Liability Insurance Cover?
Personal Injuries
If you cause physical harm to another person, such as injuries, poisoning or death, liability insurance comes into play.
Challenges in Daily Life:
Someone trips on the stairs in your house and gets injured.
You accidentally hurt a person in a crowded situation.
Property Damage
If you accidentally damage the property of others, the resulting damage will be settled by the liability insurance.
Challenges in Daily Life:
Your mobile phone gets stolen.
There is water damage in your apartment that also affects your neighbor's apartment.
Financial Damage
Liability insurance also covers financial damages if your actions unintentionally cause financial loss to a third party.
Challenges in Daily Life:
You have a bike accident with a pedestrian due to carelessness. Pedestrian becomes unfit for work.
You, as the tax advisor, miss the deadline. The tax office levies a late payment surcharge.
Who is Covered by Liability Insurance?
Who is Covered by Liability Insurance?
Policyholder
You, as the person who purchased the insurance, are the policyholder. You are responsible for paying the contributions.
Policyholder
You, as the person who purchased the insurance, are the policyholder. You are responsible for paying the contributions.
Policyholder
You, as the person who purchased the insurance, are the policyholder. You are responsible for paying the contributions.
Spouses and Registered Partners
Your spouse or registered partner can also be insured.
Spouses and Registered Partners
Your spouse or registered partner can also be insured.
Spouses and Registered Partners
Many private insurances offer more extensive benefits. These often include coverage for alternative practitioners, dental cleanings and much more.
Children
Unmarried children under 18 who live in the same household as you, are in education or training, and are not yet self-employed can also be included in your liability insurance.
Children
Unmarried children under 18 who live in the same household as you, are in education or training, and are not yet self-employed can also be included in your liability insurance.
Children
Unmarried children under 18 who live in the same household as you, are in education or training, and are not yet self-employed can also be included in your liability insurance.
Co-Insured Persons
Depending on the insurance conditions, other persons, such as au pairs or home care workers, can also be included in liability insurance.
Co-Insured Persons
Depending on the insurance conditions, other persons, such as au pairs or home care workers, can also be included in liability insurance.
Co-Insured Persons
Depending on the insurance conditions, other persons, such as au pairs or home care workers, can also be included in liability insurance.
Is liability insurance really worth it?
Liability insurance is a smart investment in any situation.
The balance between what you pay and what you get in return is truly in your favor, considering the wide range of risks it covers and the potential damages it safeguards against. Even if you've been paying premiums for years, the financial protection it provides in case of a claim typically outweighs the total contributions made. It's a solid choice for your peace of mind.
Is liability insurance really worth it?
Liability insurance is a smart investment in any situation.
The balance between what you pay and what you get in return is truly in your favor, considering the wide range of risks it covers and the potential damages it safeguards against. Even if you've been paying premiums for years, the financial protection it provides in case of a claim typically outweighs the total contributions made. It's a solid choice for your peace of mind.
Is liability insurance really worth it?
Liability insurance is a smart investment in any situation.
The balance between what you pay and what you get in return is truly in your favor, considering the wide range of risks it covers and the potential damages it safeguards against. Even if you've been paying premiums for years, the financial protection it provides in case of a claim typically outweighs the total contributions made. It's a solid choice for your peace of mind.
Everything About Liability insurance
FAQ
FAQ
FAQ
Is liability insurance mandatory in Germany?
Does liability insurance offer worldwide protection?
Is there a waiting period before I can use my liability insurance?
How much does liability insurance cost?
What do I need to consider with liability insurance?
When does the liability insurance not apply?
