If a new resident at an apartment building falls near an entrance and is injured does the apartment owners liability insurance cover expenses or is this considered your own home with no liability?
It really depends where one fell. If it was in your own apartment, that would be your problem. If you slipped & fell on their sidewalk or tripped in a pothole on the common grounds, you could file a claim against the apartment owners general liability.
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What kind of liability insurance is available to private individuals not professional who conduct their own renovations in a co-op apartment?
Contact a good agent in your area, they will be able to advise you.
If someone is injured while working on someone else's rental home using that person's tools and the owner of the tools is covered only by liability insurance what are the injured person's options?
You will need to call your local Workers Compensation Commission and find out if there is anything you can do. In South Carolina you would have to be employed by this person and drawing a paycheck with taxes being taken out to beable to file any kind of WC claim.
Answer . Yes, but the State will start an investigation as to why the employee was not on the books.
Why does it matter to California Commercial liability insurance if you build or remodel condos or apartments?
Condos and apartments in California are high risk constructionprojects and the construction defect statute of limitations of worklike this done in California is 10 years. We frequently see on siteliability claims and construction defect claims for this type ofwork in California. New condos or apart…ments require a WRAP insurance policy in orderto be covered, remodel work can be covered by a normal constructionliability policy. Make sure you get certs and signed subcontractsfrom all your subcontractors so their liability flow to them notyou.
Where can you get liability insurance to cover homes that you paint in New Jersey and how expensive is it?
Answer . Prices always vary depending on what your deductables are and how many houses you paint in a typical month. The best thing you can do is call around to different insurance companies. Don't use a price comparison site like Progressive because they are not accurate comparisons. Visit each… site individually or call agents in your town for a quote.
If you are injured in a auto accident where the other driver is at fault how does his liability insurance cover you?
Yes, every liability policy has bodily insurance coverage attached to it. Therefore, their insurance should pay any medical bills you may be charged for.
Does a cosigner for a contract on an apartment share in the liability and if so can one cover the cosigner's liability with tenants insurance?
Yes the co signer is responsible for the entire terms and requirement on the lease just like the primary renter is. NO renters insurance cover the contents of the apartment and in case you cause a flood to the unit below and items of that nature. There is no insurance for the co signer
I would get what is refered to as a "non-owners" policy quote through AIG at http://www.anrdoezrs.net/click-3014621-10530103 or possiblily through Geico at: http://www.jdoqocy.com/click-3014621-10462725 I believe that bot companies offer this type of policy.
Without liability insurance, should there be any accident on the property, the association will be liable to pay for defending the claim, and potentially the claim for damages. Often the trade-off between liability insurance premiums and the hourly rate for defense attorneys indicate the it's less …expensive to pay the liability insurance premiums. Your governing documents will help you define your requirement as an association insofar as carrying liability insurance is concerned. Usually, carrying it is mandatory.
Typically, yes - if you are at fault. If not, it's possible your liability insurance coverage includes a small amount of coverage that can pay regardless of fault. This is normally included so you maintain goodwill in your community and hopefully avert a lawsuit.
Does a small historical assn which uses a room in a building whose owners have liability insurance need their own liability insurance?
This is not as straight forward as it seems. If someone visited the historical association and tripped over a floor board then the buildings insurance would be liable.. However if someone from the historical association mis placed a chair and a visitor fell over it then the historical association w…ould be liable.. For all types of public liability insurance visit http://www.uk-liability-insurance.info
NO, The landlords, or owners insurance is specific to the named insureds property and liabilities. If your tenant has chosen to own a trampoline that would be there own responsibility and their own liability in the event of a loss or injury. Bear in mind though that whether the owner lives in the… house or it is leased to a tenant the insurance company will most likely cancel the policy if they discover a trampoline on the property. Answer Please remember that liability insurance covers negligence, so the trampoline would only be covered by liability insurance if you can prove some level of negligence associated with the trampoline.
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 Detail my 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. Answer The 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.
Well, if it's in your contract and you failed to get it, then yes,the complex can purchase it for you and bill you for the cost. You just have to read your lease contract and see what you signed.It's usually gonna be cheaper if you buy it yourself though.
No. Homeowners Insurance "Never" provides coverage for your Employees or other Hired workers.
For minor injuries your policy includes no-fault medical payments for guests injured on your property. For more serious injuries, your policy provides liability coverage. Liability claims do require proof of fault.
NO. Insurance does NOT cover normal wear and tear. Maintenance and upkeep are the homeowner's responsibility.
If an employee is injured going to work and not on the clock does workman's comp or liability insurance cover it?
Each state has different laws related to workman's compensation insurance. Generally, your claim would be denied if you are not directly participating in working activities. However, if you can justify why your injury was caused by your work, your claim might be paid. If you were just driving to wor…k and got in an accident, you probably would not be covered, unless you can show how working overtime for four days in a row prior to your accident caused you to be too tired to drive. However, you would need to be careful about using this argument, because you will need to admit that you should not have been driving. Bottom line is that it is best to discuss your situation with an attorney who specializes in workman's compensation claims. If you have a liability policy (as in with your automobile insurance), you most likely would be covered. You would need to check your policy. If you try to file a claim against your employer's liability insurance policy, you probably would have a weaker case than trying to file under workman's compensation. Again, your best bet is to consult an attorney.
If an employee is injured traveling home from work but not on the clock does workman's comp or liability insurance cover it?
yes i think they will
You play softball and hit a ball back at that pitcher putting him in the hospital. The pitcher sues you. The insurance company defends you and settles the suit. You put a pizza in the oven, forget about it and leave. The pizza catches on fire and burns the entire complex down. The insurance carri…er that insured the apartment building sues you for the damage. Your renter's policy pays it. Etc.. The second example, with the fire, is not entirely accurate. A renter's policy typically does provide some coverage for "Fire Legal Liability," but it is typically with a lower limit than the general liability coverage.
Not necessarily. Vehicles must be listed on the policy and a premium paid for the coverages desired. Some companies give a certain number of days coverage when you purchase a new vehicle and some do not provide coverage until you notify them to add the new vehicle to the policy.
Does personal liability coverage of a home owners policy in Washington state cover accidental no fault injuries to non-insured injured handymen working on covered property?
No, your homeowners insurance does not provide coverage for injury to hired workers. It is the responsibility of the contractor to carry the proper insurance to cover himself and workers for injuries and losses incidental to the line of work contracted. This is why one should always check out …a contractors credentials and verify they carry the appropriate insurance before any work is performed.
Prepaid insurance would be an asset. Insurance expense is when theinsurance has been used up, thus making it an actual expense on theIncome Statement. Whereas Prepaid Insurance on a Balance sheet isclassified as an Asset.
Your answer depends on the context of the term 'liability'. If it is used in the context of the association's financials, the treasurer or auditor can give you an answer. In another context, you may need a realtor, or association manager or attorney to give you the answer you want.
Building is an asset of business by utilizing which company earns revenue to pay all liabilities and owner's capital.