What type of claim is covered under personal liability?

Personal liability coverage is primarily concerned with protecting policyholders from financial losses resulting from claims made against them for bodily injury or property damage to others. When it comes to bodily injury claims, this coverage would apply if someone is injured on the policyholder's property or as a result of their actions.

This type of claim typically involves situations where the policyholder is found legally responsible for causing harm to another person. For instance, if a visitor slips and falls in a policyholder's home and suffers an injury, the personal liability coverage would help cover the medical expenses or legal costs involved, thus safeguarding the policyholder's financial interests.

Damage to property may also be covered under liability policies, but it specifically refers to property belonging to others that has been damaged as a result of the policyholder's actions, not the personal liability aspect focused strictly on bodily injury claims. Dental claims are typically associated with health insurance and would not fall within the realm of personal liability coverage. Commercial claims are related to business liabilities and do not pertain to the personal liability policies that cover individual policyholders in personal contexts.