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My agent in MD (at the time-10 yrs ago) advised me that my homeowners insurance would not cover workers who by law were supposed to be covered by worker's compensation. I had a very skilled, reliable friend who would have installed a large roof for me for half the price of a fully licensed contractor who gave me proof of being in compliance with all licensing and insurance requirements.
To the best of my knowledge in the three states in which I have lived, maintaining a valid contractor license does not include a requirement to maintain valid worker's compensation insurance.
The chances of having a serious problem in these issues is relatively small but the risk of paying the expenses of someone seriously injured (maybe for the rest of the injured party's life) is huge.
On another question site, a person said that they had a special insurance policy to cover the risk of having others do work on their property but I have not been able to find a company that sells anything like that person described.
If you search "worker sues homeowner" you will find numerous articles to read about. I read of one where the hospital sent their big bill directly to the homeowner after it became clear that there was no other means of getting their bill paid.
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Will homeowners insurance cover the damages to a uninsured vehicle on the property?
No, homeowners insurance excludes vehicles.
If someone totals your new uninsured snowmobile will his homeowners insurance cover it?
No. The exception would be, if for instance the snowmobile was stolen off the person's property.
Will homeowners insurance on your primary property cover items you were keeping in your uninsured second home?
ABSOLUTELY NOT!!!!
Does homeowners insurance cover stolen uninsured vehicle?
It depends, You do no mention what type of vehicle. Homeowners insurance polices will not cover damage or theft of a motor vehicle designed for use on public roads.
Does homeowners cover a murder of a person on the policy?
Homeowners insurance does not generally cover the murder of a person listed on the policy. For that, you need life insurance.
What type of insurance will cover a person home iF the owner dies?
Homeowners Insurance is what you need to cover a home.
Will insurance cover my car damage if I loaned my car to an unlicensed and uninsured driver?
My insurance canceled uninsured person hits someone in rear what happens to me
Does homeowners insurance cover used uninsured car cover by tree damage?
Sorry but no. Automobiles are specifically excluded by a homeowners policy. The only four wheel vehicle is a lawn mower used exclusively for maintenance of the property.
Does homeowners insurance cover foreclosure?
No. Homeowners Insurance does not cover the owners default on a mortgage note.
Does uninsured auto insurance cover property damage?
If you are uninsured then of course not.
Does homeowners insurance cover your child damaging the neighbors vehicle?
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
What is uninsured vehicle coverage?
Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.
