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Personal Liability Insurance


Sometimes things can go wrong – whether it’s slander, a guest injury at your home or damage to a neighbour’s property, it can all result in a lawsuit. If you do not have a third-party injury insurance cover, an unfortunate situation could compromise your financial security. 

Tailored Protection with Superior Service
Tailored Protection with Superior Service


Chubb’s flagship prestige home and valuables offering for families and individuals with significant assets to insure and who appreciate a premium level of cover and service.

Key Coverage Highlights

Personal Liability

Masterpiece® provides coverage for personal liability, including tenants' liability, which can protect you and your family from lawsuits that could arise such as third-party injury and neighbour claims. Offered on a worldwide basis, it’s protection no matter where you are.

  • 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.



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.


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