If you are sued for negligence for things like accidental injury to animals, or if a customer slips and falls, liability coverage will cover the cost to defend you and to settle the lawsuit up to the limit you choose. Anyone can sue you for any amount of money – how much the actually get is another thing, making it difficult to know how much liability coverage is enough. The best advice we can give you is to choose the highest limit you can afford – it usually costs less than you think.