What is the primary focus of casualty insurance?

The primary focus of casualty insurance is to provide protection against financial loss resulting from accidents, injuries, and negligence. This type of insurance is designed to cover a variety of liabilities that individuals and businesses might face due to their actions or the actions of others. For instance, if someone is injured on your property or due to your business operations, casualty insurance can help cover legal fees, settlements, and medical expenses associated with those claims.

Casualty insurance includes several forms of coverage, such as general liability, professional liability, and workers' compensation, each addressing specific risks related to accidents and potential negligence. This focus on protecting against various types of liabilities is what distinguishes casualty insurance from other types of coverage, such as property insurance, which primarily addresses physical damage to property.

Additionally, while health coverage for employees and life insurance are crucial components of risk management for individuals and businesses, they do not fall under the aegis of casualty insurance. Thus, option B accurately encapsulates the essence and primary purpose of casualty insurance.