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Does homeowners insurance cover contract laborers injured on ones property?
Wiki User
∙ 14y ago
Let's face it, in today's "Sue happy climate" you can be sued for anything and lose. Yes to your question, however, you personally would not be responsible as the claims would be paid out of your homeowners liability coverage which does not count against you (altho you would be responsible for any shortfall). Would not it be prudent tho to hire a contractor that is properly insured and licensed? Regarding your home insurance, you should have no less than $500,000 liability coverage. I am hiring a contractor to re-shingle my home and he does not have workman's compensation for his employees. If an employee is injured on the property will I as the homeowner be responsible financially for the medical expenses and pain and suffering? Based on my understanding the California case, if the contractor is unlicensed. you can be liable. http://www.constructionweblinks.com/Resources/Industry_Reports__Newsletters/20080218/cali.html
Wiki User
∙ 15y ago
Wiki User
∙ 14y agoNO, Your homeowners insurance policy does not extend coverage to your employees nor to the employees of a contractor performing services at your home.
The injured employee needs to look to the employers provided Workers compensation program or to their own medical insurance policy for coverage.
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Does homeowners' liability insurance cover personal injury on another property?
No, your Homeowners Insurance will not. Your Medical Insurance Will.
Will homeowners insurance cover the damages to a uninsured vehicle on the property?
No, homeowners insurance excludes vehicles.
What Florida homeowners insurance covers felons?
Homeowners Insurance Covers your Property. Not criminal activities
Does homeowners insurance cover loss of personal property?
If you scheduled your personal property on your Homeowners Insurance Policy then it will cover. If you failed to schedule your personal property then it will not be covered.
What provides the funds needed for expenses such as property taxes homeowners insurance mortgage insurance?
Which of these provides the funds needed for expenses such as property taxes, homeowners insurance, mortgage insurance, etc.?
Is your car covered by homeowners insurance on their property?
No. Your Car is covered by your Auto Insurance Policy. It is never covered by a homeowners policy no matter whose property it is on.
Do mortgage companies or buyers purchase homeowners insurance policy?
It is the Homeowners responsibility to provide property hazard insurance under the terms of your mortgage. If the Mortgage company has to purchase it for you then it means your already in violation of your Home Finance Contract and subject to default.
How do you find out if a property has a homeowners insurance policy?
You ask the property owner.
Does homeowners insurance cover a vehicle if it got hailed on while on the property?
No. Homeowners Insurance does not cover Hail damage to an Automobile.Hail damage to an automobile is covered by the vehicles Auto insurance policy. Vehicles are not scheduled property on a homeowners policy.
Can you carry homeowners insurance on company property?
Commercial property cannot be covered by homeowner's insurance. Commercial property insurance must be purchased for that category of property.
Does homeowners insurance cover renter's property if you rent the house?
No. They must purchase their own renter's insurance. The homeowners policy for a rental only covers the physical property.
Is private mortgage insurance the same as homeowners insurance?
They are not the same. Homeowner's insurance insures the property: dwelling, personal property, other structures on the property, etc. Private mortgage insurance pays the mortgage in case of the death or disability of the mortgagor.
