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Personal Liability

A critical but often overlooked component of personal risk management.

Whether it’s a guest injury at your home or damage to a neighbour’s property, Chubb can offer personal liability coverage for you and your family from lawsuits that could arise. Offered on a worldwide basis, it’s coverage no matter where you are.

As part of your Chubb home insurance policy, you will be covered for unexpected liability under the personal liability section of the policy. Even the most careful person can face an accident or unforeseen event resulting in a lawsuit. Without the right coverage, such incidents can cause significant financial strain, so don't let an unfortunate situation compromise your financial security. 

Chubb Personal Liability Cover Highlights
  • Coverage in the courtroom
    We include defence costs for a lawsuit, even if it is groundless, false or fraudulent and we’ll also provide legal counsel.
  • Coverage at home
    We provide cover if you are liable for someone getting injured on your property. 


  • Identity fraud coverage
    Someone stealing from your bank or credit card account, taking out loans or refinancing mortgages under your name, are examples of one of the fastest growing white-collar crimes in Australia. We’ll cover you from financial losses that can result if someone assumes your identity for illicit purposes. The range of cover includes up to $10,000 per occurrence and up to $75,000 for Masterpiece policies. 
Risk scenario

Imagine you're hosting a gathering at your home. One of your guests accidentally trips on a loose tile on your patio and falls, breaking their arm. The guest requires medical attention and is unable to work for several weeks, resulting in lost wages. They may decide to pursue a lawsuit against you for negligence, and without personal liability insurance, you may be personally responsible for the costs of their medical bills, lost wages, and legal fees. Having personal liability cover can provide you with the necessary cover in case of unexpected accidents or incidents that may lead to legal action.

Having personal liability cover can help with your financial security in the event of a lawsuit. Without the right coverage, you could be liable for significant expenses, including legal fees and any damages awarded to the injured party. This can have a devastating impact on your financial future and cause a lot of stress and worry. By having personal liability coverage, you will be protected against many unexpected events that could potentially result in legal action.


What does Chubb’s Masterpiece Cover?
What does Chubb’s Masterpiece Cover?

Chubb offers a range of products and services that can help mitigate risks and cover you and your family in Australia. Other coverage included in our Masterpiece* policy, such as cyber security and identity theft cover, can provide comfort for those seeking comprehensive personal risk management. Discover more about these products below.


Your home is more than bricks and mortar. It’s full of memories and you're reflected in every detail. So if you experience a claim, you’ll most likely want your life back, and to rebuild without hassles, headaches, or delay.

Valuable articles

We understand that your treasures reflect your personal journey. That’s why we look for ways to help you cover your artwork, jewellery, wine and spirits, antiques, and more.

Personal cyber

From the office to your home, the ‘online you’ is still the you we’re here to cover.


*Please refer to the product disclosure statement for all policy terms, conditions, and exclusions.

Why Chubb?
Why Chubb?

As a global leader in the insurance industry, Chubb offers personal liability insurance policies that provide customised coverage to meet your unique needs. Here are some of the reasons why you should choose Chubb for your personal liability coverage:

Tailored coverage
Chubb's home and contents insurance policy is designed to provide tailored coverage that meets the unique needs of each individual or family.

With decades of experience in the insurance industry, Chubb has the expertise to provide you with the highest level of protection for your personal liability insurance needs.

Exceptional service
Chubb offers exceptional service that you can count on, with a team of experienced professionals available to assist you 24/7.

Comprehensive insurance
Chubb's home insurance policy offer comprehensive insurance against a range of risks, including bodily injury, property damage, and more.

Peace of mind
When you choose Chubb for your insurance needs, you can feel confident and reassured that you're covered by one of the most respected and reliable insurance companies in the world.


Personal liability coverage is a critical component of personal risk management. It covers you for potential financial loss in the event that you are held responsible for causing bodily injury or property damage to someone else. If you don't have the right coverage, an unfortunate situation may compromise your financial security.

Personal liability coverage included as part of one of Chubb’s home insurance policy provides coverage for bodily injury or property damage that you may cause to others. This coverage typically includes legal defence costs, as well as any settlements or judgments that may be awarded against you in the event of a lawsuit. It can also cover a wide range of incidents, from accidental injury to damage caused by pets.

General liability insurance is typically designed for businesses and provides coverage for claims made against the business for bodily injury, property damage, and other types of liabilities. Personal liability coverage, on the other hand, is designed for individuals and provides coverage for claims made against you personally for bodily injury or property damage that you may cause to others.

Please note that Chubb’s personal liability coverage contained in its home insurance policy has certain exclusions. For a comprehensive understanding of coverage and exclusions, please refer to the policy wordings and product disclosure statements. Contact your insurance broker to explore the coverage options.

Profession-Specific Liability Insurances

At Chubb, we understand that certain professions require specialised liability insurance for their unique risks. That's why we offer a range of liability insurance options specifically designed for professionals, including lawyers, engineers, architects and more. Our comprehensive insurance is tailored to your profession and helps cover your business against a variety of risks. Browse our selection of liability insurance options to find the coverage that best suits your needs.



Chubb offers a range of additional products and services that can provide you with cover for what matters most to you. In addition to our comprehensive home and contents insurance, we also offer a variety of insurance solutions to suit your business needs.

What our clients say

We believe that our greatest measure of success is our customer satisfaction and feedback. As a company focused on customer service, we strive to improve our service with every claim.




Brian & Gretchen B.

After a sudden fire destroyed Gretchen and Brian’s home, Chubb made sure their family could pick up where they left off.

Tips & Resources

At Chubb, we believe that being informed is an essential part of making the best decisions when it comes to your personal insurance needs. That's why we've compiled a range of insights and resources to help you stay up-to-date on the latest trends, tips, and news related to personal liability insurance. Read more below on making informed decisions about your insurance coverage. 


Safeguarding your home during renovation work

Contact Us
Contact Us

Ready to find out more?

Ready to learn more about our Chubb Masterpiece Home and Contents Insurance?

Contact us on 1800 958 233 or complete this short form and one of our Customer Service Representatives will contact you.