Liability pet insurance is a specialized policy that offers financial protection for pet owners if their animal causes harm or damage. This includes situations such as bites, scratches, or property damage. The coverage typically includes legal defense costs, medical bills for injuries caused to others, and compensation for property damage. While liability pet insurance is often sold separately, it may also be available as an add-on to standard pet insurance policies. For owners of more unpredictable pets, liability pet insurance is essential to mitigate the financial risks of unforeseen accidents.