Haftpflichtversicherungen

Haftpflichtversicherung, or liability insurance, is a form of insurance that provides financial protection against claims arising from damage or injury the insured causes to others or their property. It is designed to cover the costs of legal defense, settlements, and judgments up to the policy limits, reducing the risk of substantial out-of-pocket expenses.

Several types exist. Privathaftpflichtversicherung (private liability) covers everyday life—accidents at home, in public, or during leisure activities. Berufshaftpflichtversicherung (professional liability) protects professionals against claims arising from their professional activities. Betriebshaftpflichtversicherung (business liability) applies to companies, while Produkthaftpflichtversicherung (product liability) covers damages caused by manufactured goods. Some policies also address environmental or pet-related risks. Coverage terms and limits vary by insurer and country.

Typical coverage includes bodily injury, property damage, and sometimes financial losses caused to third parties. It typically excludes intentional acts, contractual penalties, and damages arising from use of motor vehicles (which are usually covered by motor vehicle liability insurance). Policies may require a deductible (Selbstbeteiligung) and cap the total payout per incident or year. Legal defense costs are often included.

To choose a policy, compare coverage scope, limits, deductibles, and exclusions, and consider personal risk exposure. In many countries private liability insurance is widely recommended for individuals and families, and it is often purchased alongside home or renter's insurance. It is not a substitute for other insurance types such as property or life insurance.