Question

Liability policies, such as personal liability, professional malpractice, or business liability insurance, do NOT protect the insured against a. a personal injury on the insured's property, such as the mail carrier who slips and falls on the owner's sidewalk. b. intentional harm caused by the insured. c. someone injured by the insured away from home or business. d. claims for property damaged by the insured.

Answer 1

Answer:

b. intentional harm caused by the insured.

Explanation:

Liability insurance is a means to provide the insured party with some protection against claims resulting from injuries and damage to people or property, covering both legal costs and any payouts for which the insured party would be responsible if found legally liable.

Note that there are two types of liability coverage: bodily injury and property damage.  Most states in the US require liability coverages, subject to limits, which is the maximum amount the insurer will pay when the incident occurs.  For example, a car accident can be expensive.  This is why there is a limit of compensation which an insurer can offer.