Liability insurance protects against claims alleging that the insured is responsible for what?

Liability insurance protects against claims alleging that the insured is responsible for what?

• A. Another party's injury or damage
• B. Only property damage
• C. Purely intentional harm
• D. Medical malpractice

Answer: (A)

Liability insurance protects you when someone else sues, claiming you’re legally responsible for harming them or damaging their property. It covers claims for bodily injury and property damage that you’re alleged to have caused through negligence or other covered acts. It does not cover your own injuries, and it generally excludes intentional acts. It isn’t limited to medical malpractice, which is a separate type of professional liability. So, the idea is that liability insurance protects against claims alleging the insured is responsible for another party’s injury or damage.

Liability insurance protects you when someone else sues, claiming you’re legally responsible for harming them or damaging their property. It covers claims for bodily injury and property damage that you’re alleged to have caused through negligence or other covered acts. It does not cover your own injuries, and it generally excludes intentional acts. It isn’t limited to medical malpractice, which is a separate type of professional liability. So, the idea is that liability insurance protects against claims alleging the insured is responsible for another party’s injury or damage.