Personal Liability Insurance
Personal Liability insurance is cover against a party suing you, in your personal capacity, for financial loss, physical injury or death.
The Policyholder and any member of his or her family normally living in the Policyholder’s household are insured individually and collectively against any claim first made during the period of insurance for their legal liability for the payment of damages and costs.
It is usually embedded in the cover for your household contents (householder’s insurance) and/or the structure of your home (homeowner’s insurance).
The personal liability insurance in a homeowner’s policy will also cover your liability related to the structure of your home and its permanent fittings – for example, if a wall collapsed onto someone’s car.