Although liability insurance is not a legal requirement in Switzerland, it is one of the most important types of insurance that private individuals and companies can take out. It protects you against the financial consequences if you accidentally cause personal injury or damage to property. HELVETICA OPTIMUM helps you to find the right liability insurance that not only meets your needs, but also protects your assets.

Importance of liability insurance

Liability insurance covers third-party claims for compensation if you unintentionally injure them or damage their property. Without such insurance, the resulting financial burden could be considerable.

What does liability insurance cover?

Personal injury

This includes damage caused to other persons, including injury or even death.

Material damage

This is about damage you cause to other people's property, for example if you accidentally damage an expensive work of art in a friend's house.

Financial losses

This includes damages that could result from the above two categories, such as loss of income.

Additional options and benefits

Many liability insurance policies offer additional cover that can be adapted to specific needs, e.g:

• Cover for damage caused by your pets
• Cover for voluntary activities
• Worldwide protection

Choosing the right amount of cover

The choice of sum insured is crucial. HELVETICA OPTIMUM will be happy to advise you on the selection of an appropriate sum to ensure that you are adequately protected in the event of a claim.

Why HELVETICA OPTIMUM?

As an experienced insurance broker, HELVETICA OPTIMUM arranges customized liability insurance policies that are tailored to your exact circumstances. We understand the risks you may be exposed to and work with you to find an insurance solution that offers you optimal protection.