The private liability insurance is a form of the liability insurance. It secures the private insurant and its family including possible Hausangestellter (the latters so far for the household actively) before demands third in the context of the agreed upon covering sums. Since the adhesion straight is in principle not limited by private people after German right, the meaning of a private liability insurance and the adjustment of their insured sums for the particular is obvious.

A condition is that the requirements within the private sector developed, thus neither vocational doing still another association-moderate (activity for that or as organ of the association) or otherwise (honouring) official risk to assign is. For this if necessary a separate association or honorary office liability insurance (e.g. the judicial authorities for honorary responsible person and guardians) occurs. Also sideline activities (e.g. entgeltliche daily support of strange children) must be secured particularly, if with these activities lastingly profit is to be obtained.

The private liability insurance covers the typical risks of the everyday life. Insured in particular also the adhesion from house and housing possession (including the adhesion from letting and resulting construction measures) is, the far adhesion from sport practice to limited extent (exception: Hunt and determined matches) and animal husbandry (exception: Attitude of dogs, horses, cattle, course and riding animals; wild animals; here a keeper of an animal liability insurance should be locked). Damage to the flat let for rent falls under the insurance protection, if it does not concern glass damages or damage to (electrical) installations.

Not the subject of the private liability insurance is the use of motor vehicles (Kfz liability insurance) and the practice of the hunt, which must be secured by special policies. If additionally not secured third-party risks (not: Motor vehicle insurance!) again, are first seized by the insurance protection with a smaller insured sum they in addition-step the insurer (precaution insurance), must however on its annual request be communicated and then included.

The height of the covering sum for damages to property and person should not be below 3 millions. Only individual insurers offer clearly higher and even unlimited insurance protection. These sums are offered partly overall for damages to property and person, isolated partly in each case for damages to property or person. Remaining fortune damages, which are not to due to damages to property or person, would be to be secured by a financial damage liability, them play in the private liability insurance only subordinated role and not generally, anyhow with clearly lower insured sum, are not secured.

As additional components for a comprehensive insurance protection can be agreed upon

• Demand loss insurance, which seizes otherwise not secured requirements of the insurant and co-insuree persons against is optionally contained against contribution insurable and partly in package models. (Note: it must the admits to be and a valid title against it be obtained.)
• Liability for children: the insurer carries out, even if a child up to the completion 7. Lebensjahres exist a damage caused and neither against it nor - because of a control duty injury - against parents of requirements for compensation. The achievement is limited to quite slight amounts.

Relevant conditions of insurance, on which the insurance protection depends, are to a large extent uniform general liability insurance conditions (AHB) of the individual insurers, of it deviating special conditions and descriptions of the insured risk (e.g. BBR, RBH which is attached to the insurance policy. The latters partly differ between the individual insurers.

Related links

• To see legal texts (VVG, BGB etc.) and down load with juris.de
• Information for the private liability insurance of the GDV
• AHB standard terms of the GDV

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