Which type of insurance covers liability for personal injuries caused by the insured?

Liability insurance is specifically designed to provide coverage for claims against the insured for personal injuries or damage to others. This type of insurance protects the insured’s financial interests in the event they are found legally responsible for causing harm or injury to another person. It typically covers legal costs associated with defense, settlements, or judgments resulting from such claims.

Health insurance, while it covers medical expenses for the insured's personal medical needs, does not offer protection against liability claims made by others. Property insurance focuses on protecting the insured’s physical assets from damage or loss rather than addressing personal injury liability. Life insurance provides financial support to beneficiaries upon the death of the insured, but it does not cover liabilities for injuries to others.