The personal liability insurance
A must-have for your protection
Many insurances are a nice-to-have, but personal liability insurance is an absolute must-have.
Personal liability insurance protects you in the event of damage caused by you or co-insured persons in a private context. Whether personal injury, property damage or financial loss – the costs are unfortunately often very high. You accidentally dropped a friend's cell phone and the display is shattered? During a fit of laughter, the glass of red wine unfortunately spilled on the white carpet of a friend's house? You just wanted to play a little soccer with your nephew in the garden and the neighbor's window got broken? Your private liability will cover the costs for you.
If damage occurs, simply contact us – we will take care of everything else. That is your ensure! Service.
You can take out our premium personal liability insurance for only € 17,- per year in combination with your professional liability insurance. You can take out our exclusive personal liability insurance independently and thus enjoy improved all-round protection.
You are unsure which insurance you need? We would be happy to do a free and independent needs check for you.
Spouse, life partner and children are also insured (except single tariffs)
Performance comparison
ensure!-Premium vs. ensure!-exclusive
| Benefit | Example | ensure!-Premium in combination with BHV | ensure!-Exclusive |
|---|---|---|---|
| Loss of keys/code cards, private and professional | Loss of a third person's front door key or loss of the key card for the workplace | Up to max. 100,000 € damage | Infinite amount of damage. Consequential damage up to € 100,000 |
| Acts of courtesy | Damage to third party property during relocation assistance | unlimited coverage | unlimited coverage. |
| Loss of claim coverage | If someone causes you damage and the person has no liability, we will help you | Loss of claim coverage | Loss of claim coverage incl. legal protection (amount in dispute min./max. 1000€/150.000€) |
| Extraordinary additional benefits | Improvements of benefits, inclusion of new benefits etc. | Future improvements of benefits incl. (if no additional premium has to be charged). | Future improvements of benefits incl. (if no additional premium has to be charged); improvement clause to the previous insurance (for max. 3 years); benefit guarantee compared to competitors. |
| Co-insured persons (single tariffs may differ) | Persons who benefit from your insurance as well. | Your partner in the domestic community; your children (as long as they are still in school or vocational training) | Your partner in the domestic community; your children (as long as they are still in school or vocational training); single relatives (in the domestic community with you or if your parents are in old people's or nursing homes). |
You can download the complete performance comparison here.
The ensure! personal liability insurance
Tailor-made thanks to 25 years of experience
We at ensure! are insurance brokers, which means that we advise our customers independently of insurance companies on all aspects of insurance. However, in 25 years on the market, one also finds one or the other gap in the offer. In order to be able to offer our customers the best of the best, we have therefore designed tailor-made products for you in cooperation with an insurer.
Any questions? We are here for you!
Just send us an e-mail or call us at +49 40 41 43 79 79.