What kind of insurance covers personal liability for injuries or damages?

General liability insurance is designed specifically to cover personal liability for injuries or damages that an individual or business may cause to others. This type of insurance protects against claims resulting from bodily injury, property damage, and personal injury, including slander and defamation.

It provides a safety net, ensuring that if someone is injured on your premises or as a result of your activities, the costs related to legal fees and settlements are covered. This is crucial for businesses and even individuals who may face lawsuits due to accidents or injuries that occur in the course of their daily operations.

In contrast, health insurance primarily covers medical expenses for the insured individual's health needs and does not provide liability coverage for damages to other parties. Auto insurance focuses on liability related to vehicle use, but it specifically pertains to automobile accidents, rather than general personal liability. Property insurance provides coverage for damage to one's own property, but does not cover liabilities arising from injuries or damages to third parties. Therefore, general liability insurance is the most comprehensive option for personal liability coverage.