Ace the OTL Challenge 2026 – Unlock Your Insurance Success Story!

Casualty insurance primarily covers liability for injuries and damages to others. This type of insurance typically provides protection against claims resulting from injuries and damage that you, as the insured, may cause to other people or their property. For example, if an accident occurs and you are found liable for injury to another person or for damaging someone else's property, casualty insurance can help cover legal costs, medical expenses, and settlements or judgments against you.

It's important to distinguish casualty insurance from other types of insurance. Other forms of coverage focus on different areas, such as personal injuries to the insured, which would be covered by personal injury or health insurance, or property damaged by theft, which is typically covered under property insurance. Health care expenses are usually managed by health insurance and not by casualty insurance. This context clarifies why the focus of casualty insurance is squarely on liability and the protection it offers against claims from others.