Liability (§108) covers legal liability for injury or damage to others. Two details the exam likes:
§108(b)(1): medical, hospital, surgical and funeral expense paid irrespective of the insured's legal liability is in the liability class when issued with, or supplemental to, liability insurance, such as medical payments to customers in a store's policy. Section 108(e) says the Code's disability provisions do not apply to it.
§108(d): a licensed physician's insurance against legal liability for negligence or malpractice in professional services is liability insurance.
§108(a): liability does not include boiler and machinery.
Workers' compensation (§109): the employer's liability, imposed by law, to compensate employees and their dependents for injury arising out of and in the course of the employment. An employee hurt lifting stock on her shift fits. A customer who trips in the warehouse is not an employee, so that claim belongs under liability.
Common carrier liability (§110): a common carrier's liability for accident or injury, fatal or nonfatal, to any person, such as a passenger hurt in a bus crash. It does not include liability or workers' compensation insurance, so a mechanic's shop injury is workers' compensation, and lost packages are not injury to a person.
Boiler and machinery (§111): both loss of property and liability for damage to persons or property from explosion of, or accident to, boilers, tanks, pipes and similar apparatus. One policy can pay for the plant's own wrecked equipment and a vendor's injury.
Team and vehicle (§115): damage, or legal liability for damage, to property caused by the use of teams or vehicles other than ships, boats or railroad rolling stock. A horse-drawn tour carriage that dents a parked car fits.