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introduction to liability insurance provided by the risk management services division of the Georgia Department of Administrative Services the goal of this video is to define liability insurance and why it is needed describe the primary policy documents define the types of liability insurance provided by the state and answer common questions about each type of liability insurance so what does liability mean this is the state of being responsible for the consequences of ones acts or omissions what is liability insurance liability insurance protects individuals and organizations from being held responsible for injury or damage to another person or their property the state government and its agencies interact with the public throughout the state naturally things can happen during day to day operations which result in injury damage to property and financial harm without some form of protection from the resulting litigation the function of the state government and its agencies would be se