Is liability insurance automatic with home owners policy?

Answer 1

No, It's not automatic. Most standard Homeowners Insurance Policies do contain some liability coverage but not all companies do that. Many homeowners can and do choose not to buy the liability coverage. Some companies it comes automatic but others it does not. It just depends on the policy that the homeowner purchased and what options he chose.

Specific Question Detailmy husband fell off a roof while doing work at a homeowners home , he sustained 7 broken right ribs , a punctured lung and dislocated shoulder. what can i do to get help while he's off work? he spent seven days in the hospital and is unable to get around, we need help with our bills. thank you debbra barbee. AnswerThe liability for this type of injury would fall on the person or business who accepted the job, not the homeowner.

The homeowner and his home insurance company is not liable for a contractors injuries while performing a job unless he or she was the one who intentionally caused your husbands injury. Many states have regulations requiring that home repair contractors carry a license and insurance for just these situations.

Your husbands employer should be carrying General Liability and Workers Compensation to cover injuries to his employees while on the job.

If your husband is the contractor. He is supposed to be carrying appropriate Insurance to cover his activities as a self employed contractor, otherwise he is taking his chances.

Could you imagine a mechanic that gets injured repairing your car and then suing you because it is your car? Everyone would be getting sued all the time. If you hold yourself out to do a job then it is incumbent on that person or business to carry the appropriate coverage for their line of work.

Now if your husband was repairing your neighbor or a relatives roof for free and there was no payment agreement involved just as a favor, there might be a small amount of medical coverage usually about 3 thousand dollars for an injury for medical expenses only, But their would be no liability for lost wages or pain and suffering because the homeowner still did not cause the injury.

I'm sorry if this does not help your situation much but it's just the way the rules of liability work.