Which incident would be covered by a typical liability insurance policy?

A typical liability insurance policy is designed to cover incidents that involve bodily injury or property damage for which the insured is found to be legally responsible. In the scenario of a man slipping inside a grocery store and injuring himself, the grocery store owner could be held liable for the injury if it is determined that inadequate safety measures were in place—such as a wet floor without proper signage. The liability coverage would assist in covering medical expenses or any legal claims resulting from this incident.

The other scenarios present situations that generally do not fall under liability coverage. For instance, the theft of a company van relates to property risk, which would be addressed by a commercial auto policy or property insurance, not liability. Similarly, fire damage to a house primarily pertains to property insurance. The incident of a man crashing his car into his own fence is also a matter of property damage and would typically fall under collision coverage, rather than liability insurance, as it does not involve a third-party claim for bodily injury or damage.