Which type of insurance protects against claims for bodily injury?

Liability insurance is the type of insurance that specifically protects individuals or businesses against claims for bodily injury or property damage caused to another person. This coverage is essential because it shields the insured from the financial repercussions associated with legal fees, settlements, or judgments that may arise if they are found responsible for causing harm to someone else.

For example, if an individual accidentally injures someone while playing sports, liability insurance can help cover medical expenses and legal costs associated with the injury claim. This type of insurance is crucial for both personal situations, such as homeowner's liability, and for businesses that may face claims from customers or employees.

Other types of insurance, such as life insurance, focus on providing financial support to beneficiaries after the policyholder's death and do not cover bodily injury claims. Disability insurance provides income replacement for individuals who are unable to work due to a disabling condition, while home insurance primarily covers damage to one's property and personal belongings, not bodily injury claims. Thus, liability insurance is the most relevant choice for protecting against claims related to bodily injury.