Personal Legal Liability Insurance

Personal legal liability cover protects you financially if you're found legally responsible for accidental injury to someone else or damage to their property. It applies to incidents like slipping on your premises, damaging neighbor’s property, or accidental fire spread.

What This Insurance Covers

• Third-party injuries: Medical and legal costs if someone is hurt on your property.
• Property damage: Repairs or replacement if you accidentally damage someone else’s belongings.
• Worldwide protection: Some policies extend cover for incidents occurring overseas.

Limitations and Exclusions

• Does not cover intentional acts or criminal behavior
• Professional liabilities (e.g., negligence in business services) are excluded
• Damage from illegal activities or disputes isn’t covered
• Certain high-risk pets or unlicensed activities may be excluded

How to Choose the Right Cover

• Compare sum insured—typically from R1 million upwards
• Check exclusions to make sure common scenarios like dog bites or child accidents are covered
• Consider global coverage if you travel frequently

Why It Matters

With rising legal costs, a single claim could result in tens or hundreds of thousands of rand in liability. This cover acts as a safety net, protecting your assets and financial future from unexpected claims.

Personal legal liability cover is a smart addition to home or contents insurance, offering peace of mind in your daily life.