Your business needs to be protected from liability claims
Protect you “the insured” with Liability insurance (also called third-party insurance), this is all part of the general insurance system of risk financing, this protects you from imposed lawsuits and similar claims and protects the purchaser “you the insured” if sued for claims that come within the coverage of the insurance policy.
Liability insurance offers protection to you “the insured” from third-party insurance claims, payment are not typically made to you “the insured”, but rather to someone suffering loss who is not a party to the insurance contract. Ideally, damage caused intentionally as well as contractual liability are not covered under liability insurance policies.
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