Liability Insurance In Los Angeles Many drivers looking for a cheaper auto insurance option go for liability insurance instead of full auto insurance coverage. If you are reviewing your policy for liability insurance Los Angeles, you should look at your options carefully before deciding what is best for you. Full auto insurance covers damage to your vehicle and any other vehicles involved in an auto collision, as well as related property damage and medical expenses for all parties. Liability insurance, on the other hand, only covers the losses of the other party, meaning that your property and injuries are unprotected. This is why liability insurance costs significantly less than full auto insurance. Apart from auto liability insurance, the various kinds of liability insurance include general liability, D and O (directors and officers) liability, employer liability and professional liability. General liability is very similar to auto liability but protects businesses from claims of injury or negligence from third parties. Directors and officers liability protects a business or company from the errors or negligence of their directors or officers. Employer liability, also known as worker's compensation insurance, is a legal requirement for all businesses to have in place. It protects both the employee and the employer; giving compensation to the injured worker while covering the employee against any damages for which they could be sued. Professional liability is like malpractice insurance, giving protection to professionals in a particular field, such as medicine or law. Because these experts are considered to uphold a higher professional standard, they are seen to be more liable towards their clients and are not generally covered by general liability insurance. Professional liability insurance Los Angeles gives more protection than general liability insurance does, and is the sensible choice for physicians, attorneys and other professionals working in Los Angeles County. There are different ways to secure a liability insurance policy; one is to employ the services of an insurance agent, who will look at the whole range of policies on the market and advise you on your best option. Another is to use a comparison website, which works in a similar way but everything is done online. With so many insurance companies to choose from, it can be a daunting task to narrow your options down and then make a fully informed decision. The process is made far easier by having help from a qualified, experienced professional, or by using an online tool that will analyze the possibilities and present them to you in an easily understood format. Not having liability insurance can be disastrous, even if you are an individual driver or a business, should the worst happen and you are involved in an accident or faced with litigation, having the right insurance policy will take away some of the stress. 
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