What commonly triggers a liability insurance claim?

Liability insurance claims are often triggered by acts of negligence that result in bodily injury or property damage to another individual or entity. Negligence refers to a failure to take reasonable care that can foreseeably harm others. For example, if a homeowner fails to maintain their sidewalk and a visitor trips and sustains an injury, the homeowner may be held liable for that injury due to their negligence.

In contrast, unauthorized access to property generally involves criminal activity or trespass, which may not fall under typical liability claims. Lost or stolen property usually pertains to property insurance rather than liability insurance, as it deals with the insured's own asset protection. Natural disasters, while they can cause damage and result in claims, typically trigger property insurance claims instead of liability claims, as they do not usually involve negligence on the part of the property owner.