Liability Insurance
Liability insurance covers any mishaps you may have that lead to personal injury or damage to other people’s property. It also wards off unjustified claims.
Calculate premiums
The advantages for you
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Covers injury or damage to other people, property, assets and animals.
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Free advice by phone on questions concerning Swiss law.
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10% discount if you’re already insured with CSS and up to 5% extra if you take out a multi-year contract.
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Young people (under 25) enjoy a 10% discount.
- Liability insurance lets you take full advantage of the enjoy365 Health Shop and the active365 rewards app.
How liability insurance works
A mishap can occur before you know it. Whether you, a family member or a pet is to blame.
Liability cover is voluntary in Switzerland
In Switzerland, liability insurance is generally voluntary, but it’s nevertheless recommended. Because it protects you against the high cost of accidentally causing damage or injury to a third person. Do you keep a dog as a pet? In that case, most cantons in Switzerland will require you to have this type of insurance.
Basic insurance cover
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Property damage: destruction, damage or loss of property.
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Personal injury: injury, damage to health or killing of persons.
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Damage to animals: injury, damage to health or killing of animals.
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Monetary losses: monetary losses caused by insured personal injury or property damage. For example, if you cause an accident that leaves someone unable to work and facing financial losses.
Add extra protection through supplementary cover
Would you like more protection? We have optional add-ons for when you’re at home and away.
No reduction for gross negligence
Gross negligence means acting irresponsibly or carelessly and failing to exercise due care. For example, if you ride through a red light on your bicycle, causing an accident. If you have the gross negligence option, your benefits won’t be reduced when you make a claim.
Driving third-party motor vehicles
Cover for damage to third-party vehicles that you use only occasionally. These include passenger cars, motorbikes, delivery vans with a total weight of up to 3.5 tonnes, agricultural vehicles, and motor boats and sailing boats.
Holding a self-employed second job
Insure claims arising from self-employment through which you earn up to CHF 18,000 a year.
Hiring and borrowing of third-party horses
Accident-related damage to horses that you borrow, hire, keep temporarily or ride on behalf of someone else, including their tackle.
Frequently asked questions
Unless otherwise agreed, your deductible is CHF 200 per loss event. This ceases to apply at the end of the fifth year of insurance.
Yes. Many landlords require their tenants to have personal liability insurance. It’s not set out anywhere in law, but it may form part of the tenancy agreement.
You don’t need supplementary cover for e-bikes capable of travelling at max. 25km/h as any damage you cause when riding them are included in the basic cover. Make sure your e-bike is properly insured.
Yes. Refugees from Ukraine with S status are included in the insurance – regardless of whether you have cover for one or more people. This applies until they leave Switzerland or, at the latest, until their S status comes to an end.
- Damage in the host's household
Up to CHF 2,000 of damage caused by the refugee is covered. - Damage to the host's motor vehicle
Up to CHF 2,000 of damage caused by the refugee is covered if you already had supplementary insurance for "Driving third-party motor vehicles" before you took in the refugees.
The insurance can be cancelled at the end of the minimum contract term or at the end of the third year by giving 3 months' notice. If notice is not given on time, the contract will automatically run for another year.
