Liability insurance is a type of insurance that protects individuals or businesses from legal responsibility for damages or injuries caused to others. It covers legal costs, medical expenses, and settlements if the policyholder is found liable for an accident or negligence.

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1. General Liability Insurance – Covers bodily injury, property damage, and personal injury (e.g., slander, libel).

2. Professional Liability Insurance - Protects businesses and professionals from financial losses stemming from claims of negligence, errors, or omissions in their professional services, covering legal costs and potential settlements. 

3. Employers' Liability Insurance – Protects businesses if employees suffer work-related injuries or illnesses.

4. Public Liability Insurance – Covers injuries or property damage caused to third parties in public spaces.

5. Directors & Officers Insurance - Protects company directors and officers from claims arising from their actions or decisions taken in their official capacity, including legal defense costs and potential settlements.