What is

Personal Liability Insurance?

Personal liability insurance covers you if you are held responsible for property damage or a bodily injury. It helps you to pay the compensation costs, legal and medical expenses. The type of personal liability insurance that you require depends on several factors such as the city you are living in, your employment status and the place where you are working. In the UK, very few people purchase such type of insurance. However, it is included in many insurance packages, and it becomes difficult to choose an insurance that you need to protect yourself.  Keep it in mind that such type of insurance covers only individuals and not the businesses.

What does

Personal Liability Insurance Covers?​

What does not A personal Liability Insurance Cover

If you have any concern about the coverage, you must ask the questions from the insurer before purchasing the insurance policy.

What does

Not a personal Liability Insurance Cover?

What does not a personal Liability Insurance Cover

If you have any concern about the coverage, you must ask the questions from the insurer before purchasing the insurance policy.

Insurance Packages

That Covers You Against Third Party Claims

Some insurance packages already include personal liability insurances.

If you have any of these insurances, you don't need to have personal liability insurance separately.

Do you need

Personal Liability Insurance?

As an independent resident, you live on your own and responsible for all your actions, so you should have personal liability insurance. Similarly, suppose you own assets such as investments, savings, or a home. In that case, you should have personal liability insurance for financial protection. This type of insurance will help you pay the compensation costs of injuries you accidentally cause to someone and the defence cost if you are forced to go to the court because of a false accusation. Otherwise, you may lose your assets if you cannot pay the compensation cost of accidental injury or damage to a person or property.