Home insurance Liability Coverage away from your home

Over the weekend I took a little break from the exciting life of being an insurance agent. I went up to Mammoth Mountain with a friend and we did a little skiing. 
The conditions were great and even though my legs were feeling pretty sore after two days of skiing it was a total blast.
While I was on the slopes I witnessed an interesting skiing accident. Two men one on a snowboard and one on skies ran into each other at the bottom of a lift. Neither were going very fast, but they were both trying to make their way to the lift and neither saw each other. 
The two collided pretty hard. The skier was able to get his hands up and put both fists into the chest of the snowboarder. The snowboarder went flying backwards and the skier minus skis landed nearby. The snowboarder was on the ground gasping for air because he just took two fists to the chest. It looks like he had the wind knocked out of him. The skier popped up and went back to putting his skies on.
They both ended up being fine and went on their merry ways. But, it made me think about what would happen if someone got more seriously injured. Would either of them have any protection? 
As usual with insurance someone would have to be at fault. If this were to have happened on the mountain and the snowboarder ran into a stopped skier he would be at fault. The person downhill on a mountain has the right of way. Now if the skier was to have been injured that person could sue the snowboarder for injuries, pain and suffering and any medical bills. 
If you have Homeowner's insurance you might be surprised to know that most policies would provide liability protection for you. That means if the snowboarder was to get sued they would defend their insured. They would also pay out for any claims against their policy holder.
Even if you don't own a home you can still get these benefits from Renters Insurance.