Personal liability insurance
In everyday situations, anything can happen: you may accidentally interfere with traffic, run into a cyclist, flood your neighbour’s house because of a broken pipe, and children can break a neighbour’s window while playing. Personal liability insurance will cover financial losses due to accidental damage caused by you, your family member or your pet to another person or his property.
Civil liability insurancefor a peaceful life
Not only free time, but also everyday life can be full of unpleasant surprises. If you like to have active time outdoors, have children, a pet or a home, accidental damage to other people and their property can be costly. When the words “I’m sorry” are not enough, it is worthwhile to have personal liability insurance.
We will compensate for damage to other people’s property
We will arrange a compensation for damage caused to the property of a neighbour, passerby or cyclist.
We will cover the damage caused to the health of others
We will help you avoid costs if you cause damage to the health and life of another person or his pet.
We will provide extensive insurance coverage
You can choose personal liability insurance along with houseowner’s liability insurance.
Personal liability insurance online
ERGO insurance online is a faster and more convenient way to arrange personal liability insurance. Use the calculator and find out the price of personal liability insurance.
Price of civil liability insurance and personalised offer to you
What may be covered by the personal liability insurance?
Insurance options
In case of a sudden and unexpected event, the insurance will cover against the following risks:
- damage caused to the health of other persons;
- damage caused to the property of other persons;
- damage cause to the rented property;
- damage caused to nature.
Houseowner’s liability
We insure your civil liability as the owner and/or manager for management of one real property object and use of movable property in it.
Houseowner’s liability insurance PLUS
We cover you and your family members against civil liability for the management of all immovable property objects owned by you and your family members and use of movable property in it.
Personal liability
We cover your civil liability and your family members’ civil liability:
- for everyday actions (except for damage in connection with employment, professional, service activities or participation in associations);
- for the possession and use of any immovable property objects owned by you (including immovable property objects owned by your close relatives where you and your family members have their permanent residence). As a tenant, you are also civilly liable for damages not only to your neighbours but also to the rented housing.
What may be covered by the personal liability insurance?
What may we cover additionally?
Liability during repair works
We insure your civil liability as the owner for simple repairs in your housing. The sum insured is from EUR 3,000 to EUR 50,0000 at your option.
Landlord’s liability
We cover your liability as a landlord when your housing is rented out. If you have rented out one dwelling or more dwellings to other people, please notify us and we can include your civil liability in the insurance coverage.
Tenant’s liability
We cover your liability as a tenant of a housing for the actions carried out in your housing. If you want to insure your tenant’s liability, notify us and we can include it in your insurance coverage.
Student’s liability during traineeship
We can insure your liability or liability of your studying child during the student’s traineeship, e.g. in case of damage to the employer.
Hunter’s liability
We can insure your civil liability as a hunter for damage caused to another person, animal or nature during hunting. However, you are not covered against a fine for non-compliance with legal acts.
What may we cover additionally?
Why to choose ERGO insurance?
We cover the civil liability of the whole family in various situations, such as being in a store, in a park, riding a bicycle, playing sports.
We will compensate for damage caused by you or a family member to others while riding a bicycle or scooter, as well as damage caused by you to a rented bicycle or scooter.
We will cover damage to the health, property of others caused by you or a family member or damage caused to nature during your leisure activities, such as fishing, skiing, flying a drone.
We will cover your civil liability as the owner of a pet or farm animal and cover the damage they cause to other people or their property.
If you own more than one housing, we will insure your liability as an owner of one specified housing or all housing owned by you and your family members.
We will cover damage to third parties that may occur during simple repairs, e.g. replacement of a tap. You can choose the sum insured from EUR 3,000 to EUR 50,000.
We will insure you and your co-owners against civil liability for the housing jointly owned by you. We will fully compensate third parties if they suffer as a result of an unexpected event in your housing.
We will insure the civil liability of people who live in the housing that is lawfully owned by you (except for tenants and guests).
Related products
Home insurance
Travel insurance
