Key aspects:
Minimum coverage: Most states require drivers to carry a minimum amount of liability insurance.
Limits: You'll choose coverage limits, which are the maximum amount your policy will pay for injuries or damages.
Exclusions: Liability insurance typically doesn't cover damage to your own vehicle or injuries you sustain in an accident.
Legal protection: Liability insurance can help protect you from lawsuits and financial ruin if you cause an accident.

Both insurances provide extra coverage, but umbrella policies offer broader coverage beyond the limits of underlying policies, potentially including situations where the primary policy doesn't apply.
Excess policies, on the other hand, only increase the limits of existing coverage, and don't broaden the scope of coverage.

Occupational accident insurance provides financial support to employees or their families when injuries or deaths occur on the job. It covers wages lost due to disability and medical expenses, but generally doesn't cover legal costs or employees already covered by workers' compensation.

Key aspects:
Minimum coverage: Covers lost wages, medical expenses, and potentially death benefits.
Limits: Generally does not cover legal expenses or individuals already covered by workers' compensation
Considerations: Employers should consider deductibles and elimination periods (the time before benefits start) when choosing a plan.
Employer Benefits: Can be less costly than workers' compensation and offers flexibility in coverage amounts.