…and so do lawsuits. Liability insurance helps keep a stranger's misfortune from becoming yours. For example, letting a tree branch grow over the sidewalk doesn't look like a dangerous hazard. But if a child is knocked off her parent's shoulder, falling to the sidewalk – you could potentially be accused of negligence and sued. If you are found liable in court, your personal assets could be at risk.
Family Liability Coverage helps protect you against the financial uncertainty arising from injury or property damage that you or your family may cause to other people – on or away from your property. It typically includes compensation for the injured party, the cost of defending you in court and any court awards or settlements up to the limits of your policy.