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In turn, workers' comp insurance is regulated and underwritten separately from liability insurance. That is, most businesses will go to a liability insurer for a Commercial General Liability policy, and to a specialized workers' comp insurer for a workers' comp policy (which is usually compulsory unless the employer can demonstrate the capability to self-insure for workers' comp).
Many of the public and product liability risks are often covered together under a general liability policy. These risks may include bodily injury or property damage caused by direct or indirect actions of the insured.
In the United States, general liability insurance coverage most often appears in the Commercial General Liability policies obtained by businesses, and in homeowners' insurance policies obtained by individual homeowners.
Generally, liability insurance covers only the risk of being sued for negligence or strict liability torts, but not any tort or crime with a higher level of mens rea. This is usually mandated either by the policy language itself or case law or statutes in the jurisdiction where the insured resides or does business.
In other words, liability insurance does not protect against liability resulting from crimes or intentional torts committed by the insured. This is intended to prevent criminals, particularly organized crime, from obtaining liability insurance to cover the costs of defending themselves in criminal actions brought by the state or civil actions brought by their victims. A contrary rule would encourage the commission of crime, and allow insurance companies to indirectly profit from it, by allowing criminals to insure themselves from adverse consequences of their own actions.
It should be noted that crime is not uninsurable per se. In contrast to liability insurance, it is possible to obtain loss insurance to compensate one's losses as the victim of a crime.
Evidentiary rules regarding liability insurance
Main article: Public policy doctrines for the exclusion of relevant evidence#Ownership of liability insurance
In the United States, most states make only the carrying of auto insurance mandatory. Where the carrying of a policy is not mandatory and a third party makes a claim for injuries suffered, evidence that a party has liability insurance is generally inadmissible in a lawsuit on public policy grounds, because the courts do not want to discourage parties from carrying such insurance. There are two exceptions to this rule:
If the owner of the insurance policy disputes ownership or control of the property, evidence of liability insurance can be introduced to show that it is likely that the owner of the policy probably does own or control the property.
If a witness has an interest in the policy that gives the witness a motive or bias with respect to specific testimony, the existence of the policy can be introduced to show this motive or bias. Federal rules of civil procedure rule 26 was amended in 1993 to require that any insurance policy that may pay or may reimburse be made available for photocopying by the opposing litigants, although the policies are not normally information given to the jury. Federal Rules of Appellate Procedure rule 46 says that an appeal can be dismissed or affirmed if counsel does not update their notice of appearance to acknowledge insurance. The Cornell University Legal Institute web site includes congressional notes.
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Lucy Cortez - Whittier, CA, 90601
Every time i wanted to get a policy i felt like i have no clue whats right, whats wrong, am i covered enough or not, i just wanted the cheapest insurance out there and i always found my self paying more then anyone with higher deductible and less coverage, When you girls at LA west hooked me up, i felt like you really wanted to help and its not just to take my credit card and charge me what ever...
I asked around and i know i got THE BEST DEAL in town. Everyone in my office has transferred their insurance to you (Thank you:)
Thanks Maytal and Helen i told all my friends about you xXx.
Henry Tilman - Studio City, CA 91423
3 Years with the same insurance company thinking that im covered until DEC 12 2009 where an Idiot that was talking on the phone hit me in the back, Took so much time until the ball started rolling suddenly no rental no nothing, Then my mechanic told me about the girls from lawest insurance what a blessing. You girls were so nice and thoughtful the price was cheaper in $73 monthly, and there was always someone that know what they are talking about on the other side. unfortunately on March 2010 my neighbor hit my car in our garage and i called in (at 7:00pm)Helen was with me on the phone getting everything ready regardless of the time it took! I had a tow truck and a rental ready for me so i didn't miss a day of work.THATS SERVICE RIGHT THERE. Thank you so much.
Igor Shadakian - Glendale, CA,
You asked me to send you my own testimonial for your record i didn't know what to write other then the price is right, your always there, and im happy with service Thank you.
Tania Borasho - Reseda, CA
Ohh god where to start i guess many thanks will be good LOL
my husband used a friend of his for so long until he got his DUI and that"friend" told us that no insurance company wants to insure us anymore so i searched online and started calling and a girl that answered the phone was so sweet so we started chatting and i told her about our situation, when she said don't worry i was still sceptic but after 10 min she found a formula that fits us emailed us the paper work we emailed back and "Taddaa" i don't need to drive him to work every day:) she got us insured we almost lost faith. THANK YOU SO MUCH YOUR THE BEST.
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