LIABILITIES
Liability insurance is designed to offer specific protection against third party claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally and contractual liability are not covered under liability insurance policies.
COMMERCIAL INDIVIDUAL GENERAL LIABILITY
A liability insurance that includes all liabilities during business or daily lives. The coverage includes any damages the insured might inflict on other individuals or property. It also covers public liability.
PROFESSIONAL INDIVIDUAL UMBRELLA LIABILITY

A liability insurance that includes professional liability. Any practicing professional with a liability can benefit from this insurance. For these professionals, the coverage extends to claims from professional liabilities to any liability claim from activities during daily life.