Property and casualty insurance typically covers which of the following?

• A. Property damage or damage to property of others
• B. Employee health claims
• C. Legal defense for professional liability
• D. Vehicle liability only

Answer: (A)

Property and casualty insurance is about protecting against losses from damage to property and from liability to others for property damage or injuries. This means it covers situations where property is damaged and you’re responsible for that damage, or where someone else’s property or person is damaged and you may owe damages. The option that fits this description is property damage or damage to property of others.

Health claims belong to health or medical insurance, not P&C. Legal defense for professional liability is a more specialized form of liability coverage (often called professional liability or E&O) and isn’t the broad category described by property and casualty. Vehicle liability is just one line within the broader P&C field, which also includes property and general liability among others.