It may not have happened to you yet, but just a second of inattention is enough for damage to occur. A broken item in a store, an injured person on the ski slope, or a flooded neighbour’s apartment. In such situations, liability insurance can save you. Yet many people are still unaware of it or underestimate its importance. Let’s explain why almost everyone should have it.
What is liability insurance?
Personal liability insurance covers damage you unintentionally cause to someone else – to their property, health, or finances. It is designed for everyday life and protects you, members of your household (including children), and often even pets.
When might you need it?
There are plenty of real-life situations. Here are some examples:
- Your child accidentally scratches a parked car.
- Your dog runs off the leash and causes a traffic accident.
- You collide with a pedestrian while cycling, and they end up in hospital.
- During a visit to friends, you spill coffee on their laptop.
- You unintentionally injure someone while doing sports or during recreation.
- The hose of your washing machine bursts, flooding your neighbour’s apartment.
- Plaster falls from your property and damages a car parked below.
Such damages can amount to tens of thousands or even millions of CZK – and liability insurance ensures the insurance company will cover them for you.
What does liability insurance usually cover?
- Liability in everyday life – covers you and members of your household.
- Liability from property ownership – damage caused by the technical condition of your apartment or house.
- Employee liability – e.g., if you cause damage to your employer (often as optional supplementary insurance).
- Liability abroad – for example, on holiday, during sports, or everyday activities abroad.
How much does it cost?
The price depends on the coverage limit and the insurance company. Generally, liability insurance is very affordable – starting at around CZK 300–500 per year.
However, we recommend considering higher coverage limits – ideally CZK 5 million or more. In cases of serious injury or health damage, the amounts can rise very high.
What to watch out for?
- Coverage limit – the higher, the better.
- Deductible – some insurers apply it, others do not.
- Territorial validity – make sure the coverage applies abroad as well.
- Exclusions – e.g., intentional damage, damage under the influence of alcohol, etc.
- Household coverage – check that it also applies to children and pets.
Who should have liability insurance?
Honestly – almost everyone. Especially if you:
- have children,
- own a dog or other pet,
- live in an apartment building (risk of flooding others),
- do sports regularly,
- travel abroad,
- or simply want peace of mind.
Why is it important?
Because damage to the health, property, or life of others can be extremely costly – and often happens without your direct fault. Just a moment of inattention is enough. Liability insurance helps you deal with such situations quickly, without unnecessary stress, and most importantly without a catastrophic impact on your finances.
Summary
Liability insurance is a simple, inexpensive, yet very useful protection tool. In today’s world, where compensation claims often reach millions of crowns, it is an essential safeguard for everyone. Do not underestimate it. It costs little but can help a lot.
Need help choosing? On the website pojisteni.com, we will compare offers from different insurers free of charge and help you find the right liability insurance for you and your family.
