What does casualty insurance include?

Casualty insurance primarily focuses on liability coverage, which protects individuals and businesses from claims arising from injuries or damage they may cause to others. This type of insurance is essential as it ensures that if someone is held responsible for causing harm or damage, the policy will cover legal costs and any compensation payouts required.

Liability coverage within casualty insurance can include various scenarios, such as automobile accidents, workplace injuries, or incidents occurring on a property owned by the insured. This makes it a critical aspect of risk management for both personal and business policies.

While property damage coverage is related, it typically falls under property insurance rather than casualty insurance. Health care expenses pertain to health insurance, and travel insurance covers risks associated with travel, so these do not align with the primary focus of casualty insurance, which is to cover liabilities.