Liability & Legal expenses
A small mishap can quickly have expensive consequences: your kids are playing, running around and damaging your neighbour’s TV or you accidentally knock down the expensive vase of your friend’s table.
In Germany everyone has to pay for the damages her or she causes, whether accidentally or not. This applies to the expensive vase, but also to financial losses and personal injuries (think e.g. of car accidents). You are liable with all your personal assets, until the entire damage has been paid for.
In order for bad surprises not to have big financial consequences, liability insurances were created. They assess whether you are liable in the first place and if so, pay for the damages.
Legal expenses insurances help you with legal expertise and the coverage of lawyer, process and court costs.
There are various fields that can be covered:
Quarrels with the neighbour, legal issues with the landlord or an unjustified termination. Furthermore, even things such as assistance with traffic offenses or purchases on the internet can be covered.
The legal system forces itself into our daily lives more and more and constantly gets more complicated. Legal expenses insurances help you to make sure you get your rights and help you to pay for legal processes.
Whatever insurance you need — we will find the best solution for you
Private liability insurance (“Private Haftpflichtversicherung”)
The private liability insurance (also called third-party liability insurance) is one of the most common insurances in Germany. That is due to the fact that, everyone in Germany has to pay for caused damages he or she is liable for. A private liability insurance is a standardised product by now, so that it is very cheap but covers a lot of damages. More
Pet owner liability insurance (“Tierhalterhaftpflichtversicherung”)
In 6 German states it is mandatory to have a pet owner insurance but in the other states is it nonetheless highly recommended. Similar to the personal liability insurance, you also have to pay for the damages your pet, e.g. you dog, causes to others. More
House and property owner liability insurance (“Haus- und Wohngebäudehaftpflichtversicherung”)
Most property owners know the tedious tasks such as snow shovelling or keeping the adjacent sidewalks clean in the fall. Apart from aesthetics, it also serves another very good reason, e.g. should somebody get hurt on “your” part of the sidewalk, you are liable for possible damages. More
Private legal expenses insurance (“Privatrechtsschutzversicherung”)
The private legal expenses insurance can cover very different fields. Most insurers offer a modular system, where different modules can be put together as you seem fit. As the name suggests, the private legal expenses covers legal mitigation and costs that arise from your private, daily life. More
Traffic legal expenses insurance (“Verkehrsrechtsschutzversicherung”)
Because the number of legal cases involving traffic have risen dramatically over the last years, traffic legal expenses insurances have been established as a stand-alone insurance. It gives you legal support and payment involving accidents, parking tickets, speeding cameras, etc. More
Work legal expenses insurance (“Berufssrechtsschutzversicherung”)
As an employee, a work legal expenses insurance covers the internal relationship between you and your employer. The most common cases are unlawful terminations or unfair, unlawful behaviour of the employer. Because the employer often has the full power of a cooperation behind him or her, having legal support can be very helpful. More
Cyber legal expenses insurance (“Cyberrechtsschutzversicherung”)
The Internet has long been indispensable in our everyday life. Unfortunately, this also involves more and more scams or offers that are too good to be true. Ordered and paid goods that never arrive or phishing attempts for sensitive data are just two of the examples that cyber legal protection insurance can help with. More