Insurance that covers injury or loss to other people for which you are responsible is

1.) property coverage
2.) disability insurance
3.) life insurance
4.) liability coverage

Life insurance, when somebody dies its good to have life insurance in order to pay for the funeral and burial.

The correct option is 4.) liability coverage

Liability insurance is the basic insurance coverage that covers injuries or damage to other people or property if you're at fault for an accident. In other words the insurance that covers injury or loss to other people for which you are responsible is known as liability coverage. Most homeowners insurance policies provide a minimum of $100,000 worth of liability insurance, but higher amounts are also claimed.