Personal liability insurance protects you and your family in the event that you are held responsible for bodily injury or property damage to a third party. Personal liability covers the legal costs or damages that you are required to pay in compensation as a result.

The type of liability insurance you need depends on many factors, from your employment status, to your industry, to the country you live in.

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What does personal liability insurance cover?

Personal liability insurance would cover you if you were personally accused of putting someone’s health or property at risk through misfortune/neglect. For example:

A friend enters your home and slips on a wet floor, injuring their back. They claim that you are responsible because you neglected to make sure the area was safe.

Your children are playing in the garden, and they accidentally break a neighbour’s window with a ball. The neighbour claims you are responsible because you neglected to control your children.

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In your personal life, it’s unlikely that your day-to-day activities will be particularly high-risk. During working hours, however, you may spend more time interacting with the public, increasing the opportunity for accidents – for which you could be held liable.