Hawaii Insurance License Practice Exam

Personal liability insurance is primarily designed to cover damages or injuries that the insured is responsible for causing to others. This includes bodily injuries to other individuals, damage to their property, and medical expenses incurred by others due to such injuries.

Injuries to others, damage to personal property, and medical payments to others are all covered under personal liability policies as they directly relate to an individual’s responsibility for harm caused to others.

Employer's liability, on the other hand, pertains to the employer's obligation to pay benefits to employees who are injured on the job, typically covered under workers' compensation insurance, not personal liability insurance. This distinction clarifies why employer's liability does not fall under the typical coverage of personal liability insurance, as it serves a different purpose and is within a separate regulatory framework.