Civil liability refers to the right of an individual to claim for their damages. These damages can be either personal or to the property. They may also include intentional and unintentional damages.
In other words, civil liability refers to the right of someone to sue another person for damages such as injuries, property damage or financial loss.
Civil liability is different to criminal liability, which may be subjected to punishment as a result of some crime.
To receive the claim for damages, the injured party must suffer a loss. This loss may include financial loss, personal damage or damage to the property. The burden of proof when claiming civil liability is much lower than for criminal claims.
Many people purchase liability insurance in order to cover damages from any civil liabilities that they may be obligated to pay. Liability insurance can cover losses such as medical bills or property damage for people who get injured or who have property damaged while on the policyholder's property. For example, if a mailman slips on a person's walkway because it was covered in ice, and breaks his leg, liability insurance could cover the medical bills.