In which quality are the people of a liability insurance insured?
There are several qualities as which the people of a liability insurance are insured, nevertheless, these are different across different insurance companies. Please find below a summary of the most usual qualities – further details can be found in the insurance policy or the general insurance terms.
- Private individuals for their own behavior: Here it is a matter about smaller accidents where third parties come to damage
- Family head: It covers the liability by parents for damages caused by their children
- Animal holder: It covers the liability by animal holders for damages caused by animals. For certain animals as for example dogs or horses there are special liability insurances with extended coverage available
- Tenant of flats: For damages in a flat where the renter claims financial asserts
- Employer of domestic servants: e. g. , if a hired budgetary help causes a damage during the execution of her activities