← Property & liability insurance · Personal liability
Property & liability insurance · Personal liability Optimal
One careless moment is all it takes, and suddenly you're liable with your entire assets, for the rest of your life. The Generali Personal liability Optimal steps in front of that claim for you: with 50 million € cover, the whole family protected, and help when the other person can't pay. Planned personally with you.
01 · The risk
German law sets no upper limit on your private liability. If you overlook someone, your child causes damage, or something you borrowed breaks, you have to answer for it, if necessary with your present and future income. That's why personal liability insurance is not optional, it's the foundation.
Injury claims get especially expensive. If you injure someone so badly that they can no longer work, lifelong pensions, loss of earnings and care costs all add up. A few million can quickly fall short.
02 · The benefits
Generali covers not just the classic claim, but also the situations you rarely think about day to day. Here are the most important benefits at a glance.
Base cover
Personal injury, property damage and the financial loss arising from them that you unintentionally cause to others.
Family & children
Family protection comes at no extra premium. Your partner, children and even the youngest ones who aren't yet legally liable are covered.
Lost keys
If you lose someone else's key, replacing an entire locking system can get seriously expensive.
Borrowed & rented
The neighbor's drill, a colleague's tools, the rental car on vacation. If something you borrowed gets damaged, you're covered.
Shortfall cover
If someone harms you but has no liability insurance and no money, your own policy steps in for you.
Worldwide & hobby
On vacation, at your hobby, or out with a small boat. Your protection doesn't stop at the front door.
One note: dogs need their own separate dog-owner liability policy. As an owner you are liable regardless of fault, so your four-legged friend belongs in a policy of their own, which we're happy to plan alongside.
03 · Claim examples
Illustrative everyday cases. They show what you'd have to cover yourself without protection, and what Generali takes on for you.
04 · Why 50 million €
Property damage costs a few thousand euros. Injury claims, on the other hand, can follow you for the rest of your life. If you injure someone so badly that they can no longer work, you pay lifelong pensions, loss of earnings, home modifications and care. Such sums quickly reach double-digit millions.
A high sum insured costs barely more than a low one, but makes all the difference when it counts. This protection is also part of Generali's Vermögenssicherungspolice (all-in-one property & liability policy), which bundles several lines of cover into one contract and, depending on the modules, earns up to 25 % customer bonus.
05 · Who it's for
Children are unpredictable, and even the youngest can cause big damage. With family protection at no extra premium, the whole family is covered in one contract, including children not yet legally liable.
Small pets like cats are included in personal liability cover. Dogs need their own separate dog-owner liability policy, because as an owner you are liable regardless of fault. We're happy to plan both together.
When you start out in life, you build up assets worth protecting. A single injury claim can cost you your savings and your future income. Here, personal liability cover is the foundation.
06 · Common questions
Personal injury, property damage and the financial loss arising from them that you or your family unintentionally cause to others, up to 50 million € flat per insured event. Also included are lost keys, borrowed and rented items, goodwill damage and shortfall cover, among others.
Yes, family and child protection comes at no extra premium. Everyone registered in your household is included, children in their first course of education with no time limit, and a master's after the bachelor's counts too. Damage caused by children not yet legally liable is also included.
If someone harms you but has no liability insurance of their own and can't pay, your own policy steps in and settles the claim as if the responsible party were insured. It includes victim protection, so you're not left carrying a valid claim.
With a serious injury claim, the bill for lifelong pensions, loss of earnings and care can quickly run into double-digit millions. Higher sums insured cost barely more, but make the decisive difference when it counts. That's why Generali provides a flat 50 million € of cover.
The premium depends on your life situation and the modules you choose, so there's no flat figure. In a free initial consultation we work out your right level of protection in concrete terms, with no obligation on your part.
Your next step
We take a calm look at your situation and put together the protection that fits your life. Free of charge, without obligation, in person in Lüdenscheid or via video.
Example benefits and claims scenarios (as of 2026), simplified and rounded. Solely the insurance terms and tariffs of Generali Deutschland Versicherung AG are authoritative. Your specific coverage is defined by your insurance policy. Eduard Strekert is a financial advisor for Deutsche Vermögensberatung AG (DVAG), tied agent, and acts as an insurance intermediary under Sec. 34d GewO (German Trade Regulation). This page is non-binding information and does not replace individual advice.
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