personal liability insurance

Personal liability insurance is a type of coverage designed to protect individuals from claims arising from negligence. This means if someone fails to act reasonably and causes harm or damage to another person or their property, this insurance can cover the resulting legal obligations.12

It is most commonly included as part of a homeowner's insurance policy and covers negligence by the insured or residents of the home. This can include incidents occurring at home, during sporting activities, or other personal endeavors. The policy typically covers sums the insured becomes legally obligated to pay, and insurers often handle court defenses and settlements. It may also cover medical payments for guests injured on the property, regardless of fault.12