If you are a homeowner, you are undoubtedly concerned about potential liability when you hire a contractor. Since every homeowners policy is different, it is always best to ask your independent agency precisely what type of liability coverage that you have.
If a contractor was injured while working on a renovation on your property and he is injured during the work, you may be liable. Your homeowners policy will typically include liability insurance, which is the type of coverage needed for these situations.
However, just because a contractor sustained an injury while on your property does not mean you are automatically required to pay for the treatment of this injury or for any pain and suffering associated with said injury.
A licensed contractor will typically maintain his own insurance that would cover injury on the job. However, the specific details of the injury – the way in which it took place – can have a significant impact on who will end up paying damages related to that accident.
If there is a contractor injury on your property, it is important that you report it to your insurance agent right away. Your agent can help determine precisely what liability, if any, that you have as a homeowner in this situation. Should it be determined that you are liable or partially liable, your homeowners insurance will cover the damages claimed by the contractor.
When you shop around for your homeowners policy, it is very important that you compare policies to make sure you are getting the coverage you really need. Good liability coverage is essential for any homeowner, and by doing some comparison quotes you can make sure you have this, and all the other essential homeowner coverage.
Don’t take a chance on being caught without the full homeowners insurance coverage needed. You can do a quick quote comparison online through Agent Insure, allowing you to look at all your options and keep your home and family protected at all times.