Plain-English meaning
Coverage that may respond when an insured is legally responsible for covered injury or property damage to others.
Why it matters
The selected limit and exclusions protect different financial exposures than property coverage.
Where you may see it
Coverage E, declarations, umbrella requirements, and incident reports.
What to verify
Limit, insured persons, premises, animals, business use, rentals, watercraft, defense costs, and exclusions.
Do not confuse it with
Medical payments coverage, which can apply without establishing legal liability.
For policy-specific meaning, read the definition and related provision in the issued policy.