What type of expenses does the additional coverage of an insurance policy typically address?

The additional coverage of an insurance policy typically addresses claims-related expenses because these expenses are necessary to investigate, defend, and settle claims that arise under the policy. These costs may include things like adjuster fees, investigation costs, or other expenses directly associated with handling a claim. This coverage is designed to provide support to the policyholder during the claims process, ensuring that they are not overly burdened by the costs involved in managing claims that might arise from covered incidents.

In contrast, direct damages focus on the physical loss or damage to property, while legal fees and liability claims are generally separate categories not categorized under additional coverage. Legal fees may arise from a variety of legal matters and are not always included as part of a standard policy's coverage. Liability claims specifically refer to claims made against the policyholder for damages caused to others, which is distinct from the expenses incurred while dealing with the claims process itself.