In what manner can liability coverage be issued?

Liability coverage is often provided as part of a broader package with property insurance, which is a common practice in the insurance industry. This bundled approach allows policyholders to have multiple types of coverage under a single policy, often resulting in cost savings and simplified management of insurance needs. By combining liability and property coverage, insurers streamline the underwriting process and provide comprehensive protection against various risks.

In many cases, such as in homeowners or business insurance policies, liability coverage is an integral component that protects the insured from claims involving bodily injury or property damage to third parties. This comprehensive approach not only enhances the policy's value but also offers policyholders peace of mind by ensuring that their liability risks are adequately managed alongside their property exposures.

The other options do not accurately represent the typical manner in which liability coverage is offered. Offering only standalone policies may limit flexibility, while restricting coverage to high-risk individuals or only in limited circumstances would not align with standard industry practices that aim to make insurance accessible to a wide audience.