What aspect of insurance does the term 'personal lines' specifically refer to?

The term 'personal lines' specifically refers to property and casualty insurance designed for individual consumers rather than businesses or organizations. This includes coverages such as homeowners, renters, automobile, and personal liability insurance. These policies are tailored to meet the needs of individuals and families, providing them with protection against various risks related to personal property and liability.

Thus, option B accurately reflects this focus on individual consumers, distinguishing it from other aspects of insurance that cater to businesses or group entities. Personal lines insurance is essential for securing personal assets and protecting individuals from various types of risk in their everyday lives.