felelsségbiztosításokból

Felelsségbiztosítás, or liability insurance, is a type of insurance that protects an individual or entity from legal liability arising from injuries or damages they may cause to other parties. The primary purpose of this coverage is to cover legal expenses, settlements, or judgments that exceed the insured’s own resources. Liability insurance is particularly important for businesses, professionals such as doctors and lawyers, and homeowners who may be held responsible for accidents occurring on their property or as a result of their services.

There are several common categories of liability coverage. General liability insurance protects against ordinary claims of bodily injury, property damage, and the cost of defending against lawsuits that arise from day‑to‑day operations. Professional liability insurance, also known as errors and omissions coverage, safeguards professionals whose advice or services can lead to financial loss for clients. Product liability insurance covers manufacturers, distributors, and retailers for legal claims stemming from the use of their products. Umbrella liability policies provide additional protection beyond the limits of primary policies, offering an extra layer of security when more substantial risks are present. In many jurisdictions, specific types of liability insurance such as workers’ compensation or automobile liability are mandated by law.

Policyholders typically pay a premium based on risk factors that include industry, location, claims history, and the coverage limits selected. While liability insurance cannot prevent accidents or legal disputes, it helps mitigate the financial repercussions associated with them. In an increasingly litigious society, having appropriate liability coverage is considered essential for both individuals and businesses to maintain financial stability and protect reputation.