Which of the following can trigger coverage under a liability insurance policy?

In the context of liability insurance policies, negligence is a common trigger for coverage. Liability insurance is designed to protect the insured from claims resulting from injuries and damages for which they may be held legally responsible. Negligence refers to failure to exercise the care that a reasonably prudent person would under similar circumstances, leading to unintentional harm or damage to another party.

When an individual or organization is found negligent, they can be held liable for damages resulting from their actions. Liability insurance would cover the legal costs and any settlements or judgments that arise from these claims, making negligence a direct trigger for coverage under these types of policies.

While intentional acts can lead to liability situations, many liability insurance policies specifically exclude coverage for damages resulting from intentional wrongdoing. Contractual obligations might not trigger liability coverage either, especially if the losses are related to a breach of contract rather than negligence or unintentional acts. Therefore, negligence stands out as a clear trigger for liability coverage, making it the most appropriate choice in this context.