Liability insurance protects the insured against financial loss that they become legally obligated to pay to third parties as compensatory damages because of bodily injury or property damage.

Bodily damage refers to harm to the body resulting from the insured's actions, work or products. This includes external injury to the body, sickness or disease, and death.

Property damage insures those who cause unintentional damage to the property of others including; physical injury to tangible property and all resulting loss of use of the property.

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