Which type of insurance protects against personal liability for injuries to others?

Liability insurance is specifically designed to protect individuals from personal liability for injuries or damages they may cause to others. It covers legal costs and potential settlements or judgments if the insured is found liable for causing harm or damage to someone else. This type of insurance is crucial, as it safeguards the policyholder's financial stability in the event of lawsuits or claims arising from incidents such as accidents or negligence.

For example, if a person accidentally injures another person while playing sports, liability insurance would cover the medical expenses of the injured party and any legal defenses needed in case they pursue a lawsuit.

The other types of insurance mentioned serve different purposes: property insurance protects against the loss or damage of property, health insurance covers medical expenses for the insured, and life insurance provides a financial benefit to beneficiaries upon the insured's death. None of these options address personal liability, making liability insurance the clear choice for this question.