Most professions and professional organizations offer such insurance to cover individuals for claims relating to their professional employment. Universities will also buy coverage for their fleet vehicles. It covers damage to the rented car and is reimbursable under state employee travel. This type of coverage is most often used in athletic, recreational, and summer camp type programs. It provides benefits for medical expenses occurring while involved in the covered program within a maximum dollar amount specified.
Most homeowners maintain insurance on their home and for liability associated with the premises.
Many such policies include some general liability coverage for the homeowner which might extend to personal liability created at work. As a general rule, you can be personally liable only when you step out of your specific job functions and your actions are outside the course and scope of employment. Directors and Officers insurance may also apply in certain cases.