What does the legal liability coverage form primarily cover?

The legal liability coverage form primarily covers property damage to others caused by negligence. This type of coverage is essential for businesses and individuals to protect against financial loss resulting from legal claims for damages they may have caused to a third party's property due to their negligent actions. When a party is found liable for damaging someone else's property, the legal liability coverage will help cover the costs associated with defending against the claim as well as any settlements or judgments that may arise from that liability.

While options related to employee injuries (which typically fall under workers' compensation), business interruption losses (that would be covered by a different type of insurance), and damages caused by natural disasters (often covered under specific property or disaster insurance policies) are significant concerns in the insurance realm, they do not fall under the purview of legal liability coverage. The focus of this form is specifically on negligence-related claims and not on the other mentioned areas.