Liability Insurance Switzerland: Protect against million‑franc claims

Essential cover for every household – protection up to CHF 20 million

Key Facts about Liability Insurance

PurposeProtects against third‑party damage claims

CostCHF 80–300/year depending on cover & family

Sum insuredCHF 5–20 million (recommend ≥ CHF 10M)

DeductibleTypically CHF 0–200 per claim

ScopeWorldwide, 24/7

Family coverWhole family included

Quick Answers

What is liability insurance?

Protects you if you accidentally cause damage to others; pays justified claims and defends against unjustified ones.

Is it mandatory in Switzerland?

Not legally mandatory, but essential – without it you are liable with all assets.

What does it cost?

CHF 80–300/year; family with CHF 10M cover typically CHF 150–250.

What damages are covered?

Personal, property, financial losses; options: key loss, internet risks, goodwill damages.

What is covered

Personal injuries (treatment, pain & suffering, loss of earnings)
Property damage (repairs or replacement)
Financial losses caused by you
Options: key loss, internet/cyber, goodwill damages

Situations & Personas

Singles: basic protection for everyday life
Families: higher risk through children
Tenants: frequent water and rental damages
Dog owners: special animal liability
Expats: worldwide cover and return planning

Choose the right sum

Minimum: CHF 5 million; recommended: CHF 10–20 million
Examples: serious bike accident (CHF 2–8M), building water damage (CHF 0.5–2M)
Worldwide validity important for travel

Top Providers (CH)

Zurich · AXA · Generali · Helvetia · Mobiliar

Secure your liability cover now

Independent comparison and free needs analysis.

Essential Takeaways

Liability insurance protects against third‑party claims (personal, property, financial). Costs CHF 80–300/year; choose CHF 10–20M for optimal protection. Worldwide scope, family included, options for key loss and internet risks.