What type of insurance primarily covers damage incurred while engaging in leisure activities?

Personal liability insurance primarily covers damages incurred while engaging in leisure activities. This type of insurance is designed to protect individuals against claims resulting from injuries or damages that they may cause to others while participating in personal activities, including hobbies and recreational events.

For instance, if someone unintentionally injures another person while playing a sport or while hosting a gathering at their home, personal liability insurance can provide coverage for legal expenses and medical costs resulting from the incident. This is particularly relevant in scenarios where one might be held responsible for accidental harm during leisure activities.

In contrast, other insurance types listed do not specifically address this area of coverage. Commercial liability insurance is focused on protecting businesses from claims of negligence or harm caused during business operations. Property insurance covers damages to an individual’s property, including their home and belongings, but does not extend to incidents involving injuries to others. Health insurance is centered around covering medical expenses for the insured individual’s own health issues rather than liability for damages or injuries to others.