What type of insurance covers legal responsibility for accidents resulting in injury or death of others?

Liability insurance is specifically designed to protect individuals and businesses from legal claims resulting from accidents that cause injury or death to others. This type of insurance covers not only the legal costs associated with defending against such claims but also any settlements or judgments that may result from a lawsuit.

In contexts like sports medicine, liability insurance is crucial as it can help safeguard practitioners against claims filed by patients or participants who may suffer injuries while under their care or during activities organized by the practitioner. This type of coverage allows professionals to operate with a certain level of security, knowing that they have financial protection in case of unfortunate incidents.

Other forms of insurance, such as professional insurance, malpractice insurance, and health insurance, serve different purposes. Professional insurance could encompass various aspects of coverage related to one's profession. Malpractice insurance specifically protects against claims arising from professional negligence, which may involve injuries caused by mistakes in providing health care. Health insurance, on the other hand, is focused on covering medical expenses for individuals and does not cover liabilities related to accidents involving third parties.