{"id":34582,"date":"2025-09-30T14:36:29","date_gmt":"2025-09-30T12:36:29","guid":{"rendered":"https:\/\/harlander-partner.eu\/liability-insurance-for-ski-accidents\/"},"modified":"2025-11-24T20:00:40","modified_gmt":"2025-11-24T19:00:40","slug":"liability-insurance-for-ski-accidents","status":"publish","type":"page","link":"https:\/\/harlander-partner.eu\/en\/sports-accidents\/liability-insurance-for-ski-accidents\/","title":{"rendered":"Liability Insurance for Ski Accidents"},"content":{"rendered":"\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Liability Insurance<\/h2><ul><li><a href=\"#h-haftpflichtversicherung\" data-level=\"2\">Liability Insurance<\/a><\/li><li><a href=\"#h-haftung-bei-skiunfallen-nach-osterreichischem-recht\" data-level=\"2\">Liability in Ski Accidents under Austrian Law<\/a><\/li><li><a href=\"#h-deckungsumfang-der-haftpflichtversicherung\" data-level=\"2\">Scope of Liability Insurance Coverage<\/a><\/li><li><a href=\"#h-besondere-vorteile-der-haftpflichtversicherung\" data-level=\"2\">Specific Benefits of Liability Insurance<\/a><\/li><li><a href=\"#h-obliegenheit-zur-schadenmeldung\" data-level=\"2\">Obligation to Report Claims<\/a><\/li><li><a href=\"#h-ihre-vorteile-mit-anwaltlicher-unterstutzung\" data-level=\"2\">Your Benefits with Legal Assistance<\/a><\/li><li><a href=\"#h-haufig-gestellte-fragen-faq\" data-level=\"2\">Frequently Asked Questions &#8211; FAQ<\/a><\/li><\/ul><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-haftpflichtversicherung\">Liability Insurance<\/h2>\n\n<p class=\"wp-block-paragraph\">Liability insurance provides financial protection when an individual is held liable for damage they have caused. Especially in ski accidents, the consequences can be severe: injuries, prolonged medical treatments, loss of earnings, or property damage to equipment can quickly result in high costs. Under Austrian law, anyone who culpably causes damage is generally obliged to provide compensation. In such instances, liability insurance not only handles the settlement of legitimate claims but also defends against unjustified demands.   <\/p>\n\n<div class=\"wp-block-uagb-container uagb-block-3019fe8e alignfull uagb-is-root-container\">\n<div class=\"wp-block-uagb-container uagb-block-32585033\">\n<p class=\"wp-block-paragraph\">Liability insurance protects skiers if they injure others or cause damage, and it also covers legal and court costs.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-45819ab6\"><picture>\r\n\t\t<source srcset=\"https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-352x198.webp\" >\r\n\t\t<img decoding=\"async\" class=\"mr-picture-small\" src=\"https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp\" alt=\"Liability insurance protects skiers from high costs and defends against unjustified claims, including legal fees\" >\r\n\t<\/picture>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-haftung-bei-skiunfallen-nach-osterreichischem-recht\">Liability in Ski Accidents under Austrian Law<\/h2>\n\n<p class=\"wp-block-paragraph\">Anyone who causes an accident while skiing is liable for the resulting damages according to the general rules of the <strong>ABGB<\/strong>. The decisive factor is whether the conduct was <g id=\"gid_1\">unlawful, culpable, and causal<\/g> for the damage incurred. Even minor carelessness can lead to substantial claims for compensation, encompassing medical costs, pain and suffering, or loss of earnings.  <\/p>\n\n<p class=\"wp-block-paragraph\">Particularly relevant are the <strong>FIS Piste Rules<\/strong> and the standards of care applied by the OGH. Skiers must control their speed, show consideration for others, and maintain sufficient distance. Anyone who violates these duties and thereby causes an accident is generally obliged to pay compensation.  <\/p>\n\n<p class=\"wp-block-paragraph\">Specific liability provisions may also apply:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Liability of Trail Operators:<\/strong> Piste operators are liable for hazards on the ski slope in cases of gross negligence.<\/li>\n\n\n\n<li><strong>General Law of Damages:<\/strong> Basis for claims in cases of injury to life, body, health, or property.<\/li>\n\n\n\n<li><strong>Railway and Motor Vehicle Liability Act:<\/strong> Applies, for example, to accidents involving cable cars or lifts.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">A crucial element is <strong>contributory negligence<\/strong>: If the accident victim themselves violated the piste rules, the claim for damages will be proportionately reduced. Case law demonstrates that adherence to distances, directions of gaze, and right-of-way rules is also decisive. <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-deckungsumfang-der-haftpflichtversicherung\">Scope of Liability Insurance Coverage<\/h2>\n\n<p class=\"wp-block-paragraph\">Liability insurance primarily covers <strong>personal injury and property damage<\/strong> caused by culpable conduct while skiing. This includes medical costs, pain and suffering, loss of earnings, or repair and replacement costs for damaged equipment. <\/p>\n\n<p class=\"wp-block-paragraph\">A central advantage is the <strong>defense function<\/strong>: The insurer not only handles the settlement of legitimate claims but also defends against unjustified demands. This includes the financing of expert opinions, legal fees, and court expenses. Thus, liability insurance serves a function similar to legal expenses insurance.  <\/p>\n\n<p class=\"wp-block-paragraph\">The sums insured typically range in the millions. It is important that the coverage also applies abroad \u2013 many policies include worldwide validity. However, typical exclusions remain unchanged: Intentional acts are never covered, and in cases of gross negligence (e.g., driving under significant alcohol influence), the insurer may be exempt from performance.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-besondere-vorteile-der-haftpflichtversicherung\">Specific Benefits of Liability Insurance<\/h2>\n\n<p class=\"wp-block-paragraph\">Liability insurance is more than just a cost bearer. It also actively protects insured persons against <strong>unjustified claims<\/strong>. The insurer carefully examines every asserted claim and defends against demands that are not justified.  <\/p>\n\n<p class=\"wp-block-paragraph\">This also includes the assumption of <strong>legal and court costs<\/strong>. This so-called defense function means that liability insurance acts like <strong>legal expenses insurance<\/strong>. Insured persons thus benefit not only financially but also from the professional expertise of the lawyers engaged by the insurer.  <\/p>\n    <div class=\"mr-quote mrbg clearfix\">\n        <a class=\"mr-quote-person\" href=\"\/ueber-uns\/rechtsanwalt-peter-harlander\/\" title=\"Rechtsanwalt Peter Harlander\">\n            <img decoding=\"async\" class=\"mr-quote-person-img\" src=\"https:\/\/harlander-partner.eu\/wp-content\/themes\/harlander\/design\/ph100.webp\" width=\"100\"\n                 height=\"100\" loading=\"lazy\" alt=\"Rechtsanwalt Peter Harlander\">\n            <span class=\"mr-quote-person-text\">\n            Peter Harlander<br>\n            <span class=\"mr-quote-person-function\">Harlander &amp; Partner Rechtsanw\u00e4lte<\/span>\n        <\/span>\n        <\/a>\n        <span class=\"mr-quote-content\">\u201eEine starke Privathaftpflicht ist die erste Verteidigungslinie nach einem Pistenunfall. Sie reguliert berechtigte Anspr\u00fcche und finanziert die anwaltliche Abwehr unberechtigter Forderungen.\u201c<\/span>\n    <\/div>\n<a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Free initial consultation\"><span class=\"mr-cta-link-normal\">Select your preferred appointment now:<\/span><span class=\"mr-cta-link-bold\">Free initial consultation<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-obliegenheit-zur-schadenmeldung\">Obligation to Report Claims<\/h2>\n\n<p class=\"wp-block-paragraph\">According to the Insurance Contract Act, the policyholder is obliged to report damage to the insurer <strong>without undue delay<\/strong>. This duty is crucial because only then can the insurer react quickly and examine claims. <\/p>\n\n<p class=\"wp-block-paragraph\">Anyone who reports the damage late or incompletely risks a <strong>breach of obligation<\/strong>. The consequence can be a reduction or even the complete loss of insurance coverage. For skiers, this means that every accident, even if it initially appears minor, should be reported immediately and completely.  <\/p>\n    <div class=\"mr-quote mrbg clearfix\">\n        <a class=\"mr-quote-person\" href=\"\/en\/about-us\/sebastian-riedlmair\/\" title=\"Attorney Sebastian Riedlmair\">\n            <img decoding=\"async\" class=\"mr-quote-person-img\" src=\"https:\/\/harlander-partner.eu\/wp-content\/themes\/harlander\/design\/sr100.webp\" width=\"100\"\n                 height=\"100\" loading=\"lazy\" alt=\"Attorney Sebastian Riedlmair\">\n            <span class=\"mr-quote-person-text\">\n            Sebastian Riedlmair<br>\n            <span class=\"mr-quote-person-function\">Harlander &amp; Partner Attorneys<\/span>\n        <\/span>\n        <\/a>\n        <span class=\"mr-quote-content\">\u201eWer den Schaden sofort meldet, sichert den Versicherungsschutz. Wer z\u00f6gert oder l\u00fcckenhaft berichtet, riskiert eine Obliegenheitsverletzung und damit Leistungsk\u00fcrzungen.\u201c<\/span>\n    <\/div>\n<a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Free initial consultation\"><span class=\"mr-cta-link-normal\">Select your preferred appointment now:<\/span><span class=\"mr-cta-link-bold\">Free initial consultation<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-ihre-vorteile-mit-anwaltlicher-unterstutzung\">Your Benefits with Legal Assistance<\/h2>\n\n<p class=\"wp-block-paragraph\">Should you be involved in a ski accident, we will examine whether a claim for damages or insurance benefits exists for you. We will accompany you throughout the entire process, handle communication with insurance companies, and ensure that your claims are asserted legally and securely. <\/p>\n\n<p class=\"wp-block-paragraph\">Our law firm:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>assesses whether and to what extent the liability insurance is obliged to pay<\/li>\n\n\n\n<li>handles the legal enforcement of legitimate claims<\/li>\n\n\n\n<li>assists in defending against unjustified claims<\/li>\n\n\n\n<li>protects your rights and interests against all parties involved<\/li>\n<\/ul>\n<a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Free initial consultation\"><span class=\"mr-cta-link-normal\">Select your preferred appointment now:<\/span><span class=\"mr-cta-link-bold\">Free initial consultation<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-haufig-gestellte-fragen-faq\">Frequently Asked Questions &#8211; FAQ<\/h2>\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-972c8b74 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\\\/\\\/harlander-partner.eu\\\/en\\\/sports-accidents\\\/liability-insurance-for-ski-accidents\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"When does liability insurance cover a ski accident?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Liability insurance applies if you culpably injure another person or cause property damage. It covers the compensation payments and examines whether a claim is legitimate. \"}},{\"@type\":\"Question\",\"name\":\"What costs are covered by liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Medical costs, pain and suffering, property damage, and loss of earnings are covered. Additionally, the insurance covers legal and court costs for defending against unjustified claims. \"}},{\"@type\":\"Question\",\"name\":\"Does the insurance coverage also apply abroad?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Many liability policies provide worldwide coverage. This is particularly important for skiers who frequently travel to Italy, Switzerland, or France. \"}},{\"@type\":\"Question\",\"name\":\"What happens if I do not report the damage immediately?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A delayed or omitted report constitutes a breach of obligation. In this case, the insurer may reduce or completely deny benefits. \"}},{\"@type\":\"Question\",\"name\":\"Are accidents under the influence of alcohol covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Damages caused by gross negligence \\u2013 for example, due to significant alcohol influence \\u2013 are often excluded. Intentional acts are never covered. \"}}]}<\/script><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq1 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">When does liability insurance cover a ski accident?<\/span><\/div><div class=\"uagb-faq-content\"><p>Liability insurance applies if you culpably injure another person or cause property damage. It covers the compensation payments and examines whether a claim is legitimate. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq2 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What costs are covered by liability insurance?<\/span><\/div><div class=\"uagb-faq-content\"><p>Medical costs, pain and suffering, property damage, and loss of earnings are covered. Additionally, the insurance covers legal and court costs for defending against unjustified claims. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq3 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Does the insurance coverage also apply abroad?<\/span><\/div><div class=\"uagb-faq-content\"><p>Many liability policies provide worldwide coverage. This is particularly important for skiers who frequently travel to Italy, Switzerland, or France. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq4 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What happens if I do not report the damage immediately?<\/span><\/div><div class=\"uagb-faq-content\"><p>A delayed or omitted report constitutes a breach of obligation. In this case, the insurer may reduce or completely deny benefits. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq5 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Are accidents under the influence of alcohol covered?<\/span><\/div><div class=\"uagb-faq-content\"><p>Damages caused by gross negligence \u2013 for example, due to significant alcohol influence \u2013 are often excluded. Intentional acts are never covered. <\/p><\/div><\/div><\/div><a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Free initial consultation\"><span class=\"mr-cta-link-normal\">Select your preferred appointment now:<\/span><span class=\"mr-cta-link-bold\">Free initial consultation<\/span><\/a>\n","protected":false},"excerpt":{"rendered":"Liability Insurance Liability insurance provides financial protection when an individual is held liable for damage they have caused. Especially in ski accidents, the consequences can be severe: injuries, prolonged medical &#8230;","protected":false},"author":25,"featured_media":27572,"parent":40075,"menu_order":31,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[348],"tags":[],"class_list":["post-34582","page","type-page","status-publish","has-post-thumbnail","hentry","category-sports-law"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1920,1080,false],"thumbnail":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-100x100.webp",100,100,true],"medium":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-800x450.webp",800,450,true],"medium_large":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1920,1080,false],"large":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1920,1080,false],"1536x1536":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1536,864,false],"2048x2048":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1920,1080,false],"336x":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-336x189.webp",336,189,true],"352x":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-352x198.webp",352,198,true],"woocommerce_thumbnail":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-600x338.webp",600,338,true],"woocommerce_gallery_thumbnail":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-100x100.webp",100,100,true],"yarpp-thumbnail":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-120x120.webp",120,120,true]},"uagb_author_info":{"display_name":"Simon Prem","author_link":"https:\/\/harlander-partner.eu\/en\/author\/simon-prem\/"},"uagb_comment_info":0,"uagb_excerpt":"Liability Insurance Liability insurance provides financial protection when an individual is held liable for damage they have caused. Especially in ski accidents, the consequences can be severe: injuries, prolonged medical ...","_links":{"self":[{"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/pages\/34582","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/comments?post=34582"}],"version-history":[{"count":0,"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/pages\/34582\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/pages\/40075"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/media\/27572"}],"wp:attachment":[{"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/media?parent=34582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/categories?post=34582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/harlander-partner.eu\/en\/wp-json\/wp\/v2\/tags?post=34582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}