Liability coverage is not an option. If someone is hurt on your property or hurt as a result of your actions, you may be held liable. A few examples of this are: if someone were to slip and fall on your property, if your dog bit someone or if your horse were to kick your guest.
The liability portion of your policy covers expenses that you are legally liable to pay, due to bodily injury or property damage. Your coverage would also include attorneys’ fees and costs to defend, which can be among the most important aspect of this protection.