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CSS Insurance

Liability insurance

Liability insurance protects you and your family. It covers the costs of compensating third parties for damage to property, personal injury and monetary losses unintentionally caused by you or one of the co-insured persons. 

Our product for you: Personal liability insurance

Advantages of personal liability insurance

  • Family insurance: All persons who live together with the policyholder in the same household are included in the insurance, regardless of age.
  • Free bicycle liability insurance
  • Standard retention fee of CHF 200
  • Free choice: contract term (3 or 5 years) and sum insured (CHF 3, 5 or 10 million)
  • Client discount: 10% discount for persons insured with the CSS Group
  • 24-hour emergency help (placement of suitable craftsmen for immediate measures)


Personal liability insurance covers the following claims for the entire group of insured persons. This means your family members and everyone living in the same household as you.

  • Personal injury: injury, damage to health or killing of persons
  • Property damage: destruction, damage or loss of items, injury or loss of animals
  • Monetary losses: financial disadvantages or losses as the result of insured personal injury or property damage

Supplementary insurance

  • Driving third-party motor vehicles: damage to the vehicle from occasional use of third-party motor vehicles, motorcycles and delivery vans up to a maximum total weight of 3.5 tons.
  • Hirers and borrowers of horses owned by third parties: accidental damage to horses borrowed, hired, in temporary custody or being ridden on behalf of others, and to the horse’s saddle, bridle or driving equipment.

Claim report

Report your claim to us using the claim notification form for personal liability or simply do it online. We will then contact you to discuss the next steps.

Premiums & family discount

The premiums depend on the chosen sum insured and contract term and on whether you rent or own. 

Do you have any questions?

We're on hand to help! Find a CSS agency near you. Our client advisors will be happy to take time to discuss your personal needs.