Insurance

Liability insurance is a very large-which covers all legal claims against the insured. Many types of insurance include an aspect of civil liability. For example, an owner of the insurance policy will normally include liability coverage that protects the insured in case of an application made by a person who slips and falls on the property, automobile insurance also includes an aspect of liability insurance that indemnifies against attacks as a car crash can cause to other people's lives, health or property. The protection offered by a liability insurance policy is twofold: a legal defence in case of any action taken against the policyholder and compensation (payment on behalf of the insured) in respect of a settlement or court verdict. The liability policies generally cover only the negligence of the insured, and will not apply the results of voluntary or intentional acts of the insured.

* Environmental liability insurance protects the insured for personal injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
* Insurance errors and omissions: See "professional liability" under "Liability insurance".
* Professional liability insurance, also known as professional indemnity insurance, protects professionals such as architects, lawyers, doctors, accountants and neglect against possible claims by their patients / clients. Professional Liability Insurance May take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession May be called malpractice insurance. The notaries public to take May errors and omissions insurance (E & O). Other potential E & O provided include, for example, real estate brokers, home inspectors, experts and websites.
* Directors and officers liability insurance protects a body (usually a company) costs associated with litigation resulting from mistakes incurred by the directors and officers for which they are responsible. In industry, it is generally known as "D & O" for short.
* Average compensation insurance protects the insured to assign a top prize at a specific event. Examples include offering prizes to competitors who can make a half-court shot at a basketball game or a hole-in-one at a golf tournament.