felelsségbiztosításokat

liability insurance, known in hungarian as felelősségbiztosítás, is a type of insurance policy that provides protection to individuals and businesses against claims arising from injuries and damage to other people or their property. these policies cover legal costs and payouts for which the insured would be found liable. liability insurance is fundamental in managing risk and protecting against potentially devastating financial losses resulting from lawsuits or claims. there are several types of liability insurance including public liability, product liability, professional indemnity, and employer's liability. each type addresses specific risks associated with different activities or professions. the basic principle of liability insurance is that the insurer agrees to defend and pay on behalf of the insured up to the policy limits. premiums are typically calculated based on the level of risk, the insured's activities, and claims history. in many jurisdictions, certain forms of liability insurance are legally required, particularly for businesses that employ staff or operate in specific industries. the policy usually includes both coverage for legal defense costs and compensation awarded to third parties. liability insurance helps ensure that individuals and organizations can meet their financial obligations when held responsible for accidents or negligence.