Let us give you some examples of when this type of insurance comes in handy:
You open your umbrella on a busy street, and accidentally poke someone in the eye.
You’re golfing and underestimate the power of your swing. Your tee shot flies over a hill and hits another golfer right on the head.
It snows, and you haven’t had time to clear your front steps. Someone comes up your steps, and slips, injuring her back.
A neighbour’s child is jumping on your trampoline, and slices her foot open on a spring.
You’re walking your dog, when someone becomes tangled in your leash, and trips, cracking their head on the sidewalk.