You are responsible for the damages caused to others
Personal liability insurance protects the insured against claims for damages made by third parties on the basis of legal provisions related to civil liability (property damage and / or personal injury).
The personal liability insurance takes care of the financial consequences of such claims and take the responsibility to defend you if the demanded claims are not justified.
The amount of guarantee goes up to CHF 5’000’000. So you are always correctly insured.