Liability Insurance:
Shielding Your Wealth from Unexpected Claims

Liability insurance covers claims where you’re responsible for injury or damage to others. This can include legal defense costs, settlements, and judgments.

Liability insurance covers your responsibility for others damages, while property insurance covers damage to your own property.

Liability coverage is often included in home and auto policies, but additional liability insurance can offer extra protection.

More than you think. Minimum limits are rarely enough, especially if you have assets to protect. Higher limits or umbrella coverage are often worth considering.

An umbrella policy provides additional liability coverage above your home, auto, or other policies. It helps protect against larger claims that exceed standard limits.

Yes, in most cases it includes defense costs, which can be significant even if the claim has no merit.

Generally yes, under your homeowners liability coverage, but limits and exclusions apply depending on the situation.

No. Intentional acts are typically excluded. Coverage is designed for accidents and unforeseen events.