Liability Insurance
Liability Insurance in Washington, Oregon, and Arizona
Liability Insurance
Accidents happen, and when they do, you want to be prepared. Liability insurance helps protect you from financial loss when you’re held responsible for injuries or damages to others. Whether you need personal or business liability coverage, DFG Insurance offers flexible options to ensure you’re fully protected.
What Does Liability Insurance Cover?
Liability insurance covers you if you’re legally responsible for injuries or property damage. Key coverages include:
Bodily Injury Liability
Pays for medical expenses, legal fees, and other costs associated with injuries to others.
Property Damage Liability
Covers damage you cause to someone else’s property, whether it’s a car, home, or other belongings.
Personal Injury
Protects you in case someone is injured on your property or due to your actions, such as a dog bite.
Legal Fees
Covers your legal defense costs if you’re sued as a result of an accident.
Frequently Asked Questions
Do I need liability insurance if I have homeowners or auto insurance?
Yes, liability coverage is included in most homeowners and auto policies, but you may need additional coverage if your risks are higher (e.g., owning a business or having significant assets).
Does liability insurance cover legal costs?
Yes, liability insurance typically covers your legal defense fees if you’re sued, even if you’re not at fault.
What’s the difference between personal liability and professional liability?
Personal liability covers accidents and damages you cause in daily life, while professional liability (or errors and omissions insurance) protects against claims of negligence or mistakes made in your professional services.
