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There are generally no deductibles for the liability portion of a homeowners or auto insurance policy. Instead, the deductibles apply to property damage. So, on in an auto policy, there is a deductible for the optional comprehensive or collision coverage, but not for the liability portion.
A deductible requires the insured to pay the first level of expenses or damages, before the insurer is âon the hook.â In a business liability or workers compensation policies, deductibles range from nothing to $250,000 or more. deductible requires the insured to pay the first level of expenses or damages, before the insurer is âon the hook.â In a business liability or workers compensation policies, deductibles range from nothing to $250,000 or more.