What is personal liability ?

This is personal and property damage to a third party.

Example: You break a mirror in a shop that hurts a customer. The shop has the right to ask you and the person you injured. Your civil liability will be responsible for this personal and material damage.

In travel insurance, the liability guarantee is limited to privacy (not a professional liability guarantee) and does not apply to your rental vehicle for example for which you must take out insurance civil liability related to the car.