What is the primary purpose of a liability insurance policy?

A liability insurance policy primarily serves to protect against legal claims for damages that may arise from actions that cause injury or damage to others. This type of coverage is essential in situations where the insured party is found legally liable due to negligence, errors, or omissions. It helps cover the costs associated with legal defense and any settlements or judgments that may arise from lawsuits stemming from such claims.

In contrast, the other options focus on specific scenarios that liability insurance does not primarily address. Protecting against property damage refers to first-party insurance rather than the third-party claims that liability insurance covers. Covering medical expenses is typically the realm of health insurance or personal injury protection, which may not involve liability claims at all. Providing income during disability falls under disability insurance, which is specifically designed to replace lost income due to an inability to work. Thus, the primary focus of liability insurance remains on legal claims for damages, making the selected answer accurate.