Liability Insurance

"Liability," as in "your fault."

You were found liable for having left the banana peel on the floor. The stooge slipped on it. He sued you. He won. Luckily, you had homeowner's insurance, which covered banana peel slippage. So you pay the $100 deductible and your liability insurance covers the next $2,900 for hospital bills incurred from said peel slippage.

Whoop whoop whoop.