Can you get insurance for simple everyday accidents? Like if you're in the store and you knock over a dislplay

Personal liability policy is required before you get a personal umbrella. You can get personal liability in just about any homeowner/renter policy, or stand alone.

Once your personal liability is exhausted, THEN an umbrella drops down. Your personal liability policy is portable. It can apply whether you are in your front yard playing with your kid, and his baseball lands through someone's windshield, or if you are in India and run over someone's foot with a cart.

I wouldn't suggest turning in EVERY everyday, simple incident, or you will make yourself too uninsurable.

See, little stuff happens, it just does. And if you file more than one or two tiny little claims like that, no one will insure you for the big claims.

When you have insurance that covers EVERYTHING, when you don't contribute to it (think, pay a deductible), then you (not specifically you, but people in general) get very lazy about preventing accidents. It's called a "morale hazard", when you don't care if something happens or not, because hey, the insurance company will fix it, right?

So small little things like that aren't going to be covered.

Larger things, like you knocking over a ming vase accidentally, might be covered under your personal liability section of a homeowners or renters insurance policy. So you CAN get a personal liability policy, to cover you, if someone sues you for ACCIDENTAL, unintended, and unexpected damage. subject to policy terms, conditions and exclusions, of course.

Yes you can, it's called an umbrella policy because it covers your liability in most any situation, but you have to have your car and house insured by the same company issuing the umbrella policy.

You would need a personal umbrella liability policy.