Liability insurance is different with general insurance. If you have a big business or a company with many workers, this is the insurance you should have. Different with other types of insurance, liability insurance does not cover the damage to your property, but it covers the damages and lawsuits from other people that affected by your property. For example if you have staff or driver in the company, it will be covered if your driver got an accident, and medical expense that might happen for your staffs.