Which incident would be covered by a liability insurance policy?

Liability insurance is designed to cover incidents where an individual or business is found legally responsible for causing harm or injury to another party. In this scenario, the incident involving a man slipping inside a grocery store and injuring himself falls directly under the typical coverage provided by liability insurance.

When a customer sustains injuries due to negligence or unsafe conditions on a business's premises—such as wet floors, uneven surfaces, or other hazards—the business can be held liable for the medical expenses and other damages incurred by the injured person. The grocery store may have liability insurance that covers such incidents, ensuring that the injured party receives compensation while protecting the business from out-of-pocket expenses related to the claim.

Other choices do not align with typical liability coverage. For instance, damage caused by a tree falling on a parked car primarily involves property damage rather than liability to an injured party. Similarly, earthquake damage and fire damages to an empty warehouse typically fall under property insurance rather than liability insurance, as they do not pertain to the liability of a person or entity for injury or damage to someone else.