A comprehensive personal liability policy protects against claims for which types of incidents?

A comprehensive personal liability policy is designed to provide broad coverage for claims arising from a variety of incidents that may cause harm to others. This includes not only accidental injuries to third parties but also covers personal acts of the insured or their family members, such as carelessness exhibited by the insured's children.

The strength of this policy lies in its ability to address numerous everyday risks that individuals may face in their personal lives, thus offering protection against both intentional acts that cause harm and negligent actions that may occur in everyday scenarios.

The other options do not fully encompass the scope of the coverage provided by a comprehensive personal liability policy. For instance, while it does cover accidental injuries to third parties, the limitation to only these types of incidents reduces the understanding of the actual breadth of protection. Moreover, the focus on vehicular accidents overlooks other personal liabilities that can arise outside of driving, and professional negligence is typically covered under a separate professional liability insurance policy, not a personal liability one. This understanding underscores why B is the most comprehensive and accurate choice in describing the nature of coverage under a comprehensive personal liability policy.