Comprehensive Personal Liability

A mid-40s Stepford Wife picks up two bottles of wine at Target. She already finished one after yoga class and is moving onto dessert. She walks down the store aisle, slips on a puddle, and breaks her drinking hand. Well, one of her drinking hands.

Because the store lacked a warning sign around the puddle, she sues the store. Their insurance company pays the bills and the settlement under a comprehensive personal liability policy.

Comprehensive personal liability is a liability insurance policy that covers the legal liability expenses arising from accidents. This includes property damage or bodily injury, such as visitors getting hurt on the property or harm to another’s house caused by the policy owner.

If someone trips on the rug in your house and he or she requires surgery, a comprehensive personal liability policy has it covered.