Comprehensive everyday protection Personal liability insurance

Fast & friendly support in the event of a claim
Fast & friendly support in the event of a claim
Coverage up to CHF 20 million
Calculate the premium now

Large and small mishaps can occur quickly: Our personal liability insurance protects you against financial losses if you accidentally cause damage to others. 

Purchase advice: 052 244 86 00

You can file a claim here

Worthwhile insurance protection 

Personal liability insurance is the most important type of insurance in the life of every Swiss person. It protects you and your loved ones against high costs if you accidentally cause damage to third parties or their possessions, either because your dog leaves a memento on a hotel carpet or your perfume bottle falls into the washbasin in your rental apartment.

In these types of situation, you are legally obliged to pay for the damaged items and injured persons. At best, the clean-up only costs a few francs, but at worst, replacing the items could cost several thousand francs.

And it's much more expensive if you're liable for personal injury: this could be because you accidentally cause someone serious injury while skiing and now have to meet medical and therapy costs as well as loss of income. Personal liability offers insurance cover for all these eventualities and also protects you against unauthorized claims.

Discount of up to CHF 100

If customers take out personal liability insurance, they benefit from a one-time discount of CHF 50 on basic insurance. The same applies to household insurance. Take out personal liability and household insurance with AXA now and save yourself CHF 100.

Calculate premium now for combined insurance

Benefits at a glance: These risks are always insured

The statutory liability of private persons arising from everyday risks is covered. If the policyholder accidentally injures a third party, damages, destroys or loses that party's possessions, personal liability insurance covers the cost of either repairing or replacing items or for medical treatment following personal injury and resultant financial losses.

Basic cover - automatically insured

AXA's personal liability insurance is constructed as a modular system. You decide yourself whether basic cover is sufficient for you or whether you would like to have better protection for yourself financially with our robust supplementary coverage and services - this makes sense, for example, if you like going hunting in your spare time or often go horse riding. The following benefits are automatically included in basic cover:

Personal injury

If you seriously injure another person either by accident or error, this can become very expensive. Medical costs, loss of income, pain and suffering - claims for compensation can often run into several million francs. With liability insurance, you're on the safe side.

Property damage

If you accidentally scratch your neighbor's vintage car or your child smears a display of goods with chocolate while you're out shopping, you are personally liable for the damage. With liability insurance, AXA covers all associated costs.

Damage to property in care, custody and control

If anything borrowed or being looked after in your household is broken, that can be unpleasant enough. If you ultimately have to pay for the ensuing damage, this is doubly annoying. Fortunately, this eventuality is also normally covered through personal liability insurance.

Damage caused by renter

In either an apartment, vacation home or hotel room: As a renter, you have an obligation towards the landlord to treat the rental object with care. If the washbasin is cracked when you move out or the parquet floor has deep scratch marks, you personally would have to pay for repairs or replacement if you didn't have insurance. With personal liability insurance from AXA, you're spared this: Damage caused by renter is a typical everyday risk for insurance protection.

Owner damage

If a visitor slips on your icy stairway and you can be made liable as the owner, you're covered by liability insurance from AXA.

Animal and dog owner damage

If your dog, cat or other pet causes damage to third parties, you are responsible for this. With personal liability insurance, you're covered by AXA.

Damage as bicycle, electric bike or moped rider

If you damage someone else's property or injure someone on your two-wheeler, personal liability insurance protects you against claims.

Damage from self-employment

If damage is caused during your work as a self-employed person, our personal liability insurance covers you up to an annual turnover of CHF 12,000. If you earn more, you need separate professional liability insurance.

Damage from part-time or voluntary activities

If you carry out a part-time or voluntary activity in a cultural organization or at your local tennis club, we also cover your liability in this role.

Defense against unjustified claims

Passive legal protection is also automatically included in personal liability insurance from AXA.

Supplementary coverage: You can insure these risks if required

Do you sometimes drive other people's cars, have a pet or like to light candles at home (please note: gross negligence)? You can also have these and other risks insured, in line with your individual needs:

Third-party driver insurance

If, as the driver, you damage a friend's car while parking it, we cover the damage if the third-party vehicle is not already fully covered against accidental damage or the owner would lose their bonus under vehicle insurance as a result of your maneuver. 

Car sharing and rental vehicles

With supplementary coverage, expensive supplementary insurance of hire cars would not be required, as the former covers any damage when car sharing or using rental vehicles.

Pet damage to rental apartments

This insurance module makes sense if there are pets in your household and you would also like to be covered against any damage they may cause in your rental apartment, such as cats scratching doors. Other liability cases by pets are already included in basic cover.

Leasing a horse

If horses panic, this can quickly cause serious damage. This supplementary insurance covers the costs of accident-related injuries to horses that are borrowed, rented, being kept temporarily or ridden on behalf of another party. 

Liability as a hunter

If required, we also provide protection for liability risks arising from hunting.

Gross negligence

If you would also like to be on the safe side for any damage you yourself cause, such as a fire in your apartment due to unattended candles, the benefits under AXA supplementary coverage itself are not affected by gross negligence.

Loss of keys and key service

It's always expensive to have locks opened and replaced. If, for example, you lose your key to your rental or holiday home, we organize a key service and also pay to have the locks changed.

Emergency home services

To prevent small claims getting unnecessarily larger, such as blocked drain pipes when quick support is required, we arrange the services of a tradesman and cover the cost.

Data recovery and virus removal

If, for example, all the family photos on your PC disappear due to a virus, we organize experts to help recover the data.


Regardless of whether you live in a partnership, shared apartment or large family, anyone who lives permanently in the same household as the policyholder and forms part of a joint household is also included in the liability insurance. You must make sure that everyone is listed on the policy.


Parents are of course liable for any underage children. If the little ones "improve" the staircase with wall paintings or accidentally knock over a product presentation in a shop, this is unpleasant, but it's usually covered by the parents' liability insurance. This also applies to situations where godparents or grandparents look after the children.

Sum insured

If you cause personal injury, property damage or financial loss, this can quickly become expensive. If it's higher than your sum insured, this means that at worst, you'll have to cover the rest yourself under statutory personal liability. To avoid this, the minimum coverage from AXA is CHF 5 million, but if you want to be even safer, you can increase this to CHF 10 or CHF 20 million. 

Examples of damage/loss

Collision with a pedestrian

Collision with a pedestrian

Pascal is in a hurry and collides with a pedestrian while riding his bicycle. She falls and injures her leg.

  1. Statement of costs
  2. Recourse of the accident insurer for medical expenses CHF 2,500
  3. Replacement clothing / handbag of pedestrian CHF 700
  4. Grand total damage/loss CHF 3,200
  5. Pascal's deductible CHF 200
  6. Compensation by AXA CHF 3,000
Parquet floor ruined

Parquet floor ruined

Just a moment of absentmindedness, and Anja knocks a vase of flowers and its contents onto the floor of her rented apartment. A major portion of the parquet floor (solid wood) needs replacing.

  1. Statement of costs
  2. Value of the parquet floor (40 m2) CHF 9,800
  3. Repairs to the wall due to splashes CHF 500
  4. Grand total damage/loss CHF 10,300
  5. Anja's deductible CHF 200
  6. Compensation by AXA CHF 10,100
Skiing accident with severely injured child

Skiing accident with severely injured child

The skiing trip at the weekend ends in tragedy. On his last downhill ride, Marc is exuberant and skis over a ledge even though he can't see what's on the other side. He crashes into a child who sustains severe injuries.

  1. Statement of costs
  2. Loss of earnings compensation CHF 1.5 million
  3. Household damage/loss CHF 90,000
  4. Medical expenses CHF 80,000
  5. Satisfaction CHF 70,000
  6. Pre-litigation lawyer fees CHF 40,000
  7. Grand total damage/loss CHF 1.78 million
  8. Marc's deductible CHF 200
  9. Compensation by AXA CHF 1,779,800

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Support and frequently asked questions

  • What tenant damage is insured?

    Tenant damage is generally covered under personal liability. The following are exceptions:

    • Wear and tear, especially in rented accommodation. This relates to damage caused by wear and tear or excessive use.
    • Damage due to deliberate changes to rented property (dowel holes, nail holes and similar), or restoration of the rented property to its original state.
    • The corresponding supplementary coverage insures pet damage to the rented apartment (including wear and tear).
    • The loss of keys is insured with the corresponding supplementary coverage.

    We will be happy to support you during the handover of your rented apartment provided you inform us in advance. 

  • Why are the amounts of insurance for personal liability policies so high?

    The financial consequences of damage to third parties can quickly reach the millions,  e.g. you injure a top manager and have to pay their loss of earnings until the end of their working life.  Or you are accidentally responsible when a house burns down. 

  • Is liability insurance compulsory?
    No, liability insurance is not compulsory, but strongly encouraged. If, for example, you cause an accident involving another family's breadwinner, you will be held liable for that person's loss of earnings plus the cost of the medical treatment. This could ruin you financially unless you have insurance.

Good to know in the event of a claim

Even more protection for your belongings with AXA's household contents insurance

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    Household contents insurance

    Protect your possessions against hazards such as fire, theft and water damage.

    To household contents insurance

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