Which type of insurance covers liability for injuries to others?

Liability insurance is specifically designed to cover costs associated with injuries or damages that you may cause to other individuals or their property. This can include legal fees, medical costs, or compensation for damages if you are found at fault for an accident. For instance, if a guest is injured while on your property, liability insurance would help cover their medical expenses or any legal claims they might pursue against you.

Property insurance, on the other hand, primarily protects against losses or damages to your own property, rather than providing coverage for harm to others. Health insurance focuses on covering medical expenses for the insured individual, which does not extend to liability for injuries caused to others. Life insurance provides a financial benefit to the beneficiaries upon the death of the insured, thus it does not address liability issues at all. Therefore, liability insurance stands out as the appropriate choice for covering injuries to others.