Will homeowners provide coverage to a person injured while working at your residence?

Answer 1

The liability section of the homeowner's policy provides Med Pay coverage for non-insured's (coverage F) and Liability coverage (coverage E) for injury to non-insured's. Liability coverage can include their lost wages. There are a lot of exclusions that could apply and your insurer would have to determine that you were responsible (negligent) for the injury caused in order for coverage E to apply. You would not have to be responsible for coverage F to apply but an exclusion could still be applicable.//

Answer 2

Homeowners policies come in different varieties. One of the broadest forms is the HO-3 which provides both physical damage coverage for the structure insured, and liability coverage for third parties who are injured on the property due to the negligence of the insured. Wage loss can be a portion of a claim made by an injured person against the property owner, so to that extent, wage loss may be covered or compensated under the policy. That is, a part of the aggregate damages that the third-party sustains may be lost wages.

However, wage loss to the insured him/herself is not covered.

Answer 3

No, Your Homeowners Insurance does not provide coverage for hired workers.

If they were working at your home they should have medical coverage through their employer or if self employed they should have a contractors insurance policy to cover any injuries they incur while practicing their profession.

Always check the licensing and Insurance status of any contractor or tradesman your hire to perform work at you home.

Answer 4

It would depend on the specific clauses of the policy, and in many cases it would not be covered.