What does liability coverage protect an insured from?

Liability coverage is designed to protect an insured from legal liabilities that might arise as a result of causing bodily injury to another person or damaging someone else's property. It provides financial protection against claims that could result from accidents for which the insured is deemed responsible. This could include situations such as car accidents, slip-and-fall injuries on their property, or any other circumstances where a third party suffers an injury or property damage due to the insured's actions or negligence.

By encompassing both bodily injury claims and property damage claims, liability coverage ensures that an insured is not financially burdened by legal fees, court costs, or settlements that may arise from such claims. This comprehensive approach allows individuals and businesses to navigate potential legal liabilities without facing crippling financial consequences. Hence, the inclusion of both categories in liability coverage is essential for adequate protection.