Individuals
Personal liability insurance
Damage you, your children or your pet cause to others in everyday life.
For everyone — a moment's inattention can cause damage running into hundreds of thousands.
You're liable for damage to others with all your assets. Without liability insurance, you pay it out of your own pocket.
For damage you cause to another person you are liable with all your assets — and a moment's inattention is enough. Personal liability insurance from everyday life takes that damage over for you and usually covers the whole household in one policy, including children and pets. What matters is a sufficient limit: serious injury easily runs into hundreds of thousands or millions.
What you get
What the insurance covers
What it usually doesn't cover
- Damage caused during gainful activity (covered by business liability)
- Intentionally caused damage
- Damage to your own property and between members of the same household
How it works
We find out what risks you face
We recommend the limit and scope
We compare insurers' offers
We arrange it and advise when you claim
Example situations
A collision on the ski slope
On skis you can't brake in time and injure another skier. The insurance covers their treatment and lost income, which they'd otherwise claim from you.
A child breaks a shop window
Your child damages someone else's property while playing. The insurer handles it, not your budget.
What to prepare
Often overlooked
Frequently asked questions
Does it cover damage caused by children?
Not sure about your insurance?
Describe your situation and we'll get back with advice — no obligation.
Total Brokers a.s. is an independent intermediary registered with the Czech National Bank. Information on this website is general and not a binding insurance offer.
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