Global Risk Solutions

It is good to be aware of bespoke cover extensions under local insurance policies which may fly under the radar.

Are you aware that if a child visits a leisure centre in Germany with his parent and during the course of this recklessly dives into a swimming pool, collides with another swimmer and breaks their leg, that the commercial General Liability policy of the parent's employer may respond to a claim for personal injury?   
   
In the UK Personal Liability cover is normally provided under private household insurance.

Under commercial General Liability policies a standard extension is the inclusion of Personal Liability cover for employees and their families against legal liability for third party bodily injury and third party property damage arising from personal activities whilst they are temporarily outside their normal country of residence in connection with the insured company's business.  

In Germany however, it is also relatively common practice to provide Personal Liability cover for senior personnel and their families under commercial General Liability policies both inside and outside Germany. This extension is an added benefit for senior personnel and is normally provided at nil deductible and nil additional premium. It is provided under local policies issued under global programmes as well as policies issued on a stand alone basis. 

Where companies may not wish to have policies covering non-business activities, we recommend that they check whether this extension is in place.