Liability Insurance

Liability Insurance

“Other liability” insurance is a commercial coverage that protects the policyholder from legal liability arising from negligence, carelessness or a failure to act that causes property damage or personal injury to others. It encompasses a wide variety of coverage including errors and omissions, umbrella liability and liquor liability. It does not include products liability, which is a separate line of insurance. Products liability protects the manufacturer, distributor or seller of a product from legal liability resulting from a defective condition that caused personal injury or damage associated with the use of the product.