According to the law (§ 823 of the BGB), you are obligated to be responsible for damages caused by negligence using all of your personal assets. Therefore, a private liability insurance is necessary for everyone, as accidents can occur at any time and lead to huge costs, especially if personal injury is involved. The amount of compensation claims can reach into the millions. Private liability insurance covers these costs up to the agreed insurance sum. At FRIDAY, the insurance sum in the "Focus" package is 10 million euros, in the "Balance" package it is 20 million euros, and in the premium "Relax" package it is even 50 million euros.