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

You are not sure what insurance(s) you need? Here is an over­view for you:

What lia­bi­li­ty and legal expen­ses insurance(s) do I need?

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