Your homeowners insurance does not provide coverage for hired workers.
It is advisable that you ensure your contractor's doing the remodeling job for you have liability insurance in the event they damage your property or someone else's and appropriate medical coverage or workman's compensation for their workers.
Public liability insurance can help event planners protect themselves from cancellation and postponement. By having the right public liability insurance you can protect yourself from losing profits.
General liability covers Public and Producs Liability, therefore by having General Liability cover, public liability is covered also.
In most cases, your homeowner's insurance will not become more expensive when you purchase a swing set. However, a small number of agencies will require that you increase your liability coverage. Even if you are not required to increase your liability coverage, you should consider doing so.
No. Liability covers the others and their property.
The best protection plan for a homeowner is to have mortgage insurance. The importance of having mortgage insurance is that when a homeowner passes away or becomes incapacitated, their loved ones will not have to sell the home or leave behind a huge debt for them to pay off.
Generally No. If you have already sued the Home Insurance Company, then you have already sued by default the Homeowner. You can not have sued one without already having sued the other. If a property owner is liable to you for an accidental injury, The home owner may have insurance to cover those liabilities. The insurance company would not be the cause of an accident. If you sue an insured homeowner, their insurance company is only enjoined in the suit by virtue of the coverage provided to their insured home owner who has been sued. The homeowners insurance company may cover the cost of defense of the suit filed against the insured homeowner and may pay awards or judgments up to the limits of the homeowners insurance policy on behalf of that insured homeowner. Bear in mind that the Insurance Company is not liable for an accident, The insurance company may be liable for damages and awards based on assertions and finding of liability on the part of the insured homeowner. If your suit failed (or you Lost the suit), Then that means the homeowner was found not liable for your injuries. If you have accepted a settlement from the insurance company, that settlement will have settled your claims against the homeowner.
Your local insurance broker can answer your question.
Depends if it is (1)your roof and your car, (2)your neighbors roof and your car, or (3)your roof and your neighbors car. 1 - You can't sue yourself so your homeowner's liability is out of the question, if you have comprehensive coverage on your car it will be subject to that deductible and your car insurance will pay. 2 - Your neighbors homeowner's liability coverage will pay for the damage to your car. 3 - Your homeowner's liability coverage will pay for damage to their vehicle. 2 or 3 you may want to get an estimate on how much it will cost to fix your vehicle, having a homeowners claim can seriously impact your ability to qualify for competitive homeowners insurance rates and you should only file claims against your homeowners if it is truly necessary. I would say if the cost to repair the car is under $2500 you should work out an agreement with to pay out of pocket instead of through homeowners, unless you can get a gaurantee in writing from the homeowners insurance saying your rates will not go up due to the claim. Good luck.
Yes. It is known as Seguro de Responsabilidad Civil(literal translation of liability insurance). In case you are having a procedure with him/her, you should ask for it first.
It does not matter how old your vehicles is. Liability insurance is for your protection and I believe mandatory. If you are at fault that is where your insurance company will pay for the damages and injuries you caused to another person or vehicle. J
It would definitely be worth getting liability insurance for your new business. It is in place to protect businesses from being sued by a third party due to negligence. Having liability insurance is a must for any business. Liability insurance, or business insurance, protects your company against lawsuits that claim you failed to use reasonable care.
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