Which coverage typically protects against liability for bodily injury and property damage to others?

Liability insurance is designed specifically to protect individuals and businesses from claims arising due to bodily injury or property damage caused to others. This type of coverage is essential as it helps cover the legal costs and any damages that the insured may become obligated to pay as a result of such claims.

When a person or business is found to be legally responsible for causing harm to someone else or damaging their property, liability insurance helps provide financial security. This is particularly important in today’s litigious society where lawsuits can arise from even minor incidents.

The other options, while they provide valuable types of insurance, do not cover liability for bodily injury or property damage in the same way liability insurance does. Personal property coverage protects against loss or damage to one's own belongings, business interruption insurance relates to loss of income due to an inability to operate a business, and health insurance covers medical expenses for the insured. Each of these plays a vital role in the broader landscape of insurance, but none addresses liability in the same manner as liability insurance.