Liability

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

Covers injuries to others or damage to their property that you or your family members cause.
Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

Covers damages or injuries you cause to others in a car accident.
Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

3. Pet Liability Insurance

Covers damages or injuries your pet causes to others.
Example: Your dog bites a neighbor, or your cat damages someone's property.

4. Umbrella Liability Insurance

Provides additional coverage beyond the limits of your home or auto insurance policies.
Example: You are sued for a significant amount after an accident, and your auto insurance doesn't fully cover it.

5. Professional Liability Insurance (Errors & Omissions)

Covers claims made against you for errors or omissions in your professional work.
Example: A client sues you for negligence or mistakes in your work, resulting in financial loss.

6. Product Liability Insurance

Covers damages or injuries caused by a product you manufacture or sell.
Example: A product you sell causes injury to a customer, and they sue you for damages.

7. Landlord Liability Insurance

Covers liabilities associated with renting out property.
Example: A tenant or visitor is injured on your rental property due to a hazard you failed to address.

8. Tenant Liability Insurance

Covers damage to the rented property or injuries to others caused by the tenant.
Example: A fire starts in your apartment and spreads to other units, causing damage.

9. Watercraft Liability Insurance

Covers damage or injuries caused by your boat or other watercraft.
Example: You accidentally collide with another boat, causing injury to the other boat’s occupants.

10. Bicycle Liability Insurance

Covers damage or injuries caused by your bicycle.
Example: You accidentally run into a pedestrian while cycling, causing injury.

11. Cyber Liability Insurance

Covers liabilities related to data breaches or cyber attacks.
Example: A data breach occurs at your business, and customers’ personal information is compromised.

12. Personal Injury Liability Insurance

Covers claims for personal injuries like defamation, slander, or invasion of privacy.
Example: Someone sues you for making false statements that harm their reputation.

13. Liquor Liability Insurance

Covers liabilities associated with serving alcohol, particularly in businesses.
Example: A patron becomes intoxicated at your bar and causes an accident afterward, and you are held responsible.

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