Personal liability insurance
What is personal liability insurance?
Personal liability is covered under the personal liability insurance in the event of damage, accidentally caused to the third party’s property or person.
Why is it worth taking out ERGO personal liability insurance coverage?
- Liability for the damage, caused to others, as well as indemnification is transferred to the insurance undertaking.
- If one of family members takes out this type of insurance, his/her spouse’s and underage children’s liability will also be covered by the same policy.
- Possibility to select in which countries your comprehensive liability insurance will be effective:
- in Lithuania;
- in Lithuania, Latvia, and Estonia;
- in all Europe.
- You will feel calmer while having your vacation, traveling, etc. (insurance company will indemnify the damages, if, for example, you accidentally inflict bodily harm to another person while skiing or some disaster takes place at home while you are away, e.g. your neighbor’s apartment was flooded due to water pipe break).
Insurance options:
- Optimal
- Ideal
OPTIMAL – narrower insurance coverage.
Personal liability coverage only relating to the real estate, owned by the policyholder (house, apartment, garden house, etc.)
IDEAL – broader insurance coverage.
Extra liability coverage relating to the damage, which can occur:
- in day to day human activity (except work), for instance, while shopping, being on a visit;
- while nursing and sitting for underage children;
- while doing sports;
- while keeping pets;
- while living in leasehold premises;
- while having the fish tank.
