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Liability insurance

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You never know what damage you may cause

Why liability insurance?

Liability insurance covers claims that you may cause.

Even the most careful and adroit people can flood their neighbours when bathing or doing the laundry, the daughter drops an expensive vase in a store, or the son breaks a window playing football.

Peaceful sleep, peaceful life


The insurance applies to family members, as well as cohabiting partners, or just friends living together.


Under the Exkluziv option, the insurance covers all claims arising out of ownership of all your buildings.

We also settle selected claims related to leased buildings.


We also settle selected claims related to leased buildings.

More information

We are one of the few insurers in the market to offer cover against damages to leased buildings.

If you live in a leased home, this insurance is designed for you.

What does the liability insurance cover?

The insurance applies to damage claims under: In addition, the insurance can cover the cost of:
  • Harm resulting from injury or death.
  • Property damage.
  • Other property claims, particularly lost income, lost profit.
  • Compensation for medical treatment costs
    paid by the health insurance company; “regressive compensation” (Exkluziv variant).
  • Sickness insurance allowances
    disbursed in the Czech Republic; “regressive compensation” (Exkluziv variant).
  • Compensation for court fees
    in respect of illegitimate claims.

Choose one of the three variants to suit your concerns.

  Normal Optimal Exkluziv
Common civil activities ano ano ano
Household operation ano ano ano
Recreational sport, cycling ano ano ano
Ownership of a dog (one)   ano ano
Exercise of ownership,
DIY construction works
  ano ano
Use of small watercraft   ano ano
Horse riding   ano ano
Breeding of dogs and other pets
and livestock
Lawful use and possession of weapons
(except for hunting)
Help of others in a household, as part of construction works
or taking care of animals
Temporary stay in other territories of Europe     ano
Selected claims related to leased buildings     ano

Insurance cover limits

Claim Normal Optimal Exclusive Apartment houses
Harm resulting from injury and death,
damage to property and other property claims
CZK 500,000 CZK 1,000,000 CZK 2,000,000* CZK 1,000,000*
Regressive compensation not covered not covered CZK 1,000,000 CZK 1,000,000

* The cover limit can be increased up to CZK 20,000,000.

How to take out the insurance

Take out the insurance over the telephone..

  • A fast and easy way to take out insurance

Come see us at a branch office or arrange for a meeting with our advisor.

  • We will prepare a tailored insurance policy to suit your needs
  • We will provide you with professional advice

Frequently asked questions

  • I live in a common household with by cohabiting partner. Is her liability insured too?

    Yes, the insurance covers liability of all persons living with the insured in a common household.

  • My dog escaped and bit another dog. Can I claim it under my liability insurance?

    If you have taken out at least the Optimal variant of your liability insurance, you can make a claim under your insurance.

  • If I borrow a horse that get startled and causes a traffic accident. Can I claim it under my liability insurance?

    If you have taken out at least the Optimal variant of your liability insurance, you can make a claim under your insurance.

  • The O-ring of my dishwasher’s hose is loose and the water leaked to my neighbours. Is it covered by my insurance?

    Yes, these damages caused to other parties are covered by liability insurance under any of the variants.

  • Is it possible to get insurance for cases when snow or an icicle falls from the roof of my family house and hurts someone walking on the adjacent pavement?

    Yes, this risk is covered under the Optimal and Exkluziv liability insurance policies.

What next?

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