- Individuals & Families
- Businesses
- Partners & Agents
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.
Designed to cover you and your family in the event of accident-related injuries and disabilities.
We know that innovative products go hand in hand with superior service. At Chubb, we offer a range of value-added services and customised solutions for that added advantage to meet various needs.
Chubb leverages superior underwriting expertise and world renowned claims, account services, and financial strength to offer solutions for small and medium businesses.
Today's multinational organizations face complex and interconnected risks. We offer insurance solutions that are tailored to global needs as well as local requirements, helping them address their risk management challenges.
Chubb has a proven track record of maximising ancillary revenue for more than 120 business partners across the globe.
Personal Liability Insurance
Key Coverage Highlights
- Personal injury
- Bodily injury
- Shock, mental anguish or mental injury
- False arrest, false imprisonment or wrongful detention
- Wrongful entry or eviction
- Malicious prosecution or humiliation
- Libel, slander, defamation of character or invasion of privacy
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.
Frequently asked questions
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 Masterpiece 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 the personal liability coverage contained in Chubb's Masterpiece has certain exclusions. For a comprehensive understanding of coverage and exclusions, please refer to the policy wordings and product disclosure statements.
Other coverages included under Masterpiece:
Insights and expertise
