What does the "liability" in liability insurance primarily cover?

The primary focus of "liability" in liability insurance is to cover injury to others. This type of insurance is designed to provide financial protection for the policyholder in the event that they are found legally responsible for causing harm to another person. It addresses situations where the insured may face claims or lawsuits due to bodily injury suffered by third parties as a result of their actions or negligence.

Liability insurance typically covers legal defense costs as well as any settlements or judgments awarded to the injured party. This helps ensure that individuals and businesses can meet their financial obligations if they are held accountable for injuries that occur on their premises or due to their operations.

Other options portray different types of coverage that may not fall under the "liability" category. For instance, property damage insurance covers damage to someone else's property, medical expenses for employees are typically covered under workers' compensation insurance, and vehicle damage pertains to collision or comprehensive coverage for vehicles rather than liability. Thus, the distinctive aspect of liability insurance is its emphasis on protecting the insured against claims for injury caused to others, which makes option B the correct choice.