Property civil liability insurance covers the insured party for their liability for any damages to property or personal injury caused to third parties, since all individuals or companies are obliged to compensate said damages.
This protection can help you in situations such as:
If you are in a commercial premises and involuntarily damage an item for sale.
If your child breaks a neighbour's window while playing or causing harm to another person.
If your pet harms a friend who is visiting you at home.
If you are riding your bike and cause a traffic accident.