What Does Unintentional Tort Mean?
An unintentional tort is a action made by a party that accidentally causes damage to another party or to their property, or causes them a financial loss. In the context of insurance, many people, companies, and other organizations purchase insurance to cover them financially in the event that they have to pay damages due to committing an unintentional tort.
Insuranceopedia Explains Unintentional Tort
Liability insurance typically covers unintentional torts. For example, if a person invites people to his home, and one of them slips on a bunch of marbles that the homeowner left on the ground and breaks her hip, liability insurance may protect the homeowner from a resulting lawsuit. In such a situation, the homeowner would likely have owed the guests a duty of care that a reasonable person would be responsible in doing, to clean up the marbles from the ground.