What type of insurance policy typically covers an individual's personal liability for injuries to others?

Liability insurance is designed specifically to protect individuals from claims made against them for bodily injury or property damage to others. This type of coverage is essential for safeguarding personal assets in the event that the insured is found legally responsible for causing harm to another person. Liability insurance can cover legal expenses, medical costs, and settlements or judgments resulting from lawsuits related to personal injury.

While auto insurance and homeowners insurance include liability coverage as part of their policies, they are not purely liability insurance products. Instead, they serve broader purposes: auto insurance provides protection for vehicles and accidents on the road, while homeowners insurance protects against risks related to property ownership, including personal liability for injuries occurring on the insured property. Health insurance, on the other hand, focuses entirely on covering medical expenses and does not provide coverage for liability claims against individuals. Therefore, liability insurance stands out as the specific product intended to address personal liability for injuries to others.