felelsségbizonytalanság

Felelősségbiztosítás, also known as liability insurance, is a type of insurance that protects individuals, businesses, and organizations from financial losses that arise from legal claims or lawsuits. The primary purpose of liability insurance is to cover the costs associated with damages or injuries that may be incurred as a result of negligence, errors, or omissions.

There are several types of liability insurance, including:

1. **Professional Liability Insurance**: This type of insurance is designed for professionals such as doctors, lawyers, and consultants. It covers damages resulting from errors or omissions in their professional services.

2. **Product Liability Insurance**: This covers damages resulting from defective products. It is commonly used by manufacturers, distributors, and retailers.

3. **General Liability Insurance**: This is a broad form of insurance that covers a wide range of potential liabilities, including property damage, personal injury, and advertising injury.

4. **Auto Liability Insurance**: This covers damages or injuries to others that may result from an accident involving a vehicle.

5. **Homeowners Liability Insurance**: This covers damages or injuries that occur on the policyholder's property.

Liability insurance typically includes several key components:

- **Coverage Limits**: The maximum amount the insurer will pay out for a single claim or for all claims in a given period.

- **Deductible**: The amount the policyholder must pay out of pocket before the insurance coverage kicks in.

- **Exclusions**: Specific types of losses or damages that are not covered by the insurance policy.

It is important to note that liability insurance does not cover damages to the policyholder's own property or assets. For that, other types of insurance, such as property insurance or auto insurance, are typically required.

In many jurisdictions, liability insurance is mandatory for certain activities or professions, such as driving a vehicle or operating a business. Even when not mandatory, it is often recommended to protect against potential financial losses and to comply with legal requirements.