Is personal liability insurance useful?

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"Personal liability insurance can be useful for some people. It protects against financial losses if you are sued for slander, defamation, invasion of privacy, etc. People such as journalists and private investigators usually purchase it."
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Why do you need liability insurance on land you do not use?

Liability insurance In the Unites States, a landowner can sometimes be held liable for certain occurrences on the owned land. A Landowner is typically NOT held liable for the actions of tenants. This is what Renters Insurance is for. A Tenant can purchase property and liability insurance on a (MORE)

Where can one buy liability insurance for a personal chef business in New Jersey?

Ask your friends for a referral to a good local independent agency in your area. If you are new in business, you may be told that because of what you are doing and because you are new in business, you might have to be placed with a Surplus Lines (i.e., hard to place) carrier at higher rates. Check (MORE)

If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle if you only have liability insurance?

No, Liability Insurance is just as it says, Liability only pays for damage you cause to another. It will not pay for damages to your vehicle if you had only liability coverage. s from other contributors Usually they don't. If you had no type of uninsured motorist protection which doesn't cost t (MORE)

What kind of liability insurance is required for a small used tool store?

This would be general liability but you may be suprised howexpensive it ends up. Used tools can result in bodily injury to theuser, in which they could come back and sue you saying you sold thetool and it was unsafe. I don't think this is going to be a cheapinsurance policy, probably $2,500 minimum (MORE)

What should i do if i got in an accident and other person has no insurance i only have liability?

Answer . \nMost policies match your bodily injury per person/per accident liability limit w/an uninsured/underinsured motorist coverage. In other words if you were hurt, check with your agent for uninsured/underinsured coverage provided by your policy. Your liability limits will be divided by s (MORE)

Where can one buy liability insurance for a personal chef business in California?

Answer . You should be able to find liability coverage from any Property & Casualty agent in CA excluding those that do only personal lines (home & auto). You are probably looking at two different types of liability coverage. First is general liability which coverage your business and second Erro (MORE)

What type of liability insurance can you get to lease a commercial building for personal non-business use or is an umbrella policy from your homeowners liability insurance enough for the landlord?

Umbrella policies are often written as "following form" which means it only provides coverage if your primary (i.e. homeowners policy) provides coverage. Ask your insurance agent if you need to add the new location to the liability section of your homeowner's policy. You may also need "fire legal (MORE)

If your liability amount is only 100000 and a person suffers 250000 in claims does the injured persons insurance pay anything?

Depends on several things... if you are in a state that has optional "Uninsured/UNDERINSURED motorist coverage, and they have it... then it could pay. If you are in a No Fault state, then they may have some primary coverage that would also contribute. But for that great of a difference, $100k in i (MORE)

Where can you buy liability insurance for a personal chef business?

I am an insurance agent in the southeast and have been writing personal chefs for 7 years now. Whether you are new in business or have been in business for years, does not matter. I have worked closely with two major personal chef associations and would be happy to help you with that as well. I can (MORE)

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 (MORE)

Does personal liability umbrella insurance cover you in volunteer positions?

Umbrella policies set on top of personal liability insurance policies. Normally your homeowners policy provides this type of coverage . the umbrella policy should follow the coverage of the personal liability . It may or may not provide coverage for volunteer positions as policies are different from (MORE)

What profession use professional liability insurance?

This is a broad question and i will give you some examples. lawyers, doctors, business consultants,accountants,architect,engeeners,. design professionals,insurance agens and brokers, contractors,nurses,computer tech,technology consulatants,commercial plumber,commercial electricians,beauty shops,ha (MORE)

What is the difference between personal liability insurance and general liability insurance?

Personal Liability insurance is purchased by individuals and is normally included as part of a residential insurance policy, such as a Homeowners, Condo or Tenants package. It provides the insured with protection against lawsuits from third parties arising from the ownership and/or occupancy of the (MORE)

How is general liability insurance different from public liability insurance?

Technically, there is no difference between the two, besides thefact that many of the public and product liability risks are oftencovered together under a general liability policy. These risks mayinclude bodily injury or property damage caused by direct orindirect actions of the insured. You can re (MORE)

Does your liability insurance cover medical for a person if you were not driving?

Your liability insurance does not cover medical expenses in yourvehicle no matter who is driving. Depending on your state and theregulations there, this could vary somewhat. Liability is coveragefor the party and passengers in a vehicle that you hit if you areat fault. If you are talking about a per (MORE)

If you have Professional liability insurance why do you need general liability insurance?

Professional liability insurance will protect you against lawsuits arising from your actual professional services rendered. Suppose you have a consulting business, and you are sued for providing incorrect information, that would be a professional liability. Insurance agents and accountants need a si (MORE)

What is Professional Liability insurance and named insured?

Professional Liability Insurance, sometimes called E&O insurance covers judgments, settlements and the costs of legal defense that may arise from the conduct of your profession or the professional services you provide to your clients. The named insured is the professional who purchased the insura (MORE)

What is personal umbrella liability insurance?

So does that mean you cannot get an umbrella liability policywithout having some primary coverage first? I am a landlord. Let'ssay I am not concerned about property damage or fire loss, justliability. Is there any type of insurance I can buy just forliability? _______________________________________ (MORE)

What is contract liability insurance and indemnity insurance?

In many cases when you enter into a contract, whether it is a contract for work, a lease agreement or any other type of contract, there will be clauses covering insurance and indemnification, which is a fancy word for covering someone else's financial loss. Liability insurance provides money to c (MORE)

Is it illegal to drive in US without a liability insurance?

No, in the United States it is illegal to operate a motor vehicle on public roads without proof of " Financial Responsibility ". A motor vehicle liability insurance policy is only one of several means by which to meet our financial responsibility requirements.

Is insurance a liability?

No, Insurance is a means of contractually transferring risk including the risk of liability to another entity, namely the Insurance Company issuing the policy.

How can insurance liability be used against you?

Insurance liability is found in different scenarios, but for this example I will use Auto Insurance liability. Most automobile lenders require anyone with an auto loan to have insurance liability. This means if you cause an accident while operating your vehicle, you may be made liable to pay the cos (MORE)

What is insurance liability used for?

This covers you from anything you are liable for. Try to get with a known name company that will cover you a good amount. You always want to make sure you have enough coverage for anything you are insuring.

How can you get liability insurance coverage for a person trying to get their license using your car and you already have coverage?

You just contact your insurer and add the new driver to your insurance policy. Otherwise you are allowing an un-insured driver to operate your vehicle. Bear in mind that a claimant can sue both the driver and the owner of the vehicle if they have been injured in an accident. They can sue the dr (MORE)

How is liability insurance handled in insurance?

In most cases, clients are handed over with the processes and legal documentation of getting an insurance from a company - providing the necessary information ,limits and scope of the client's insurance - which then includes liability insurance.

What is covered for personal liability insurance?

Personal liability insurance provides additional coverage to other insurance policies. Without personal liability insurance, any thing that one's home or car insurance could not cover, one would have to pay out of pocket. Personal liability insurance will cover those fines.

Where can a person go to find comparisons on liability insurance rates?

The major auto insurers will offer a comparison service for liability insurance for you upon request. Progressive, Nationwide, All State and State Farm are four major companies who will compile this information for you upon request. This may be done via their websites, over the phone, or in person a (MORE)

What is liability insurance used for?

Liability insurance is used to cover a business if a customer or member of the public was to suffer a loss or injury as a result of its business activities and if that person made a claim for compensation.

Does liability insurance cover towing for the insurer?

Liability insurance only covers damage you did to the othervehicles, property, and persons. It does not cover any damage toyour vehicle or yourself. Towing your vehicle would only be required if it was damaged, soyour liability insurance won't cover it (but the other person'sliability might dependin (MORE)

Do you need liability insurance if you have comprehensive insurance?

Generally, you can't buy comprehensive without first buyingliability coverage. Liability covers damage you do in an accidentif it is your fault. Comprehensive will not even pay for yourvehicle in an accident. It only covers fire, theft, vandalism,animal collision, etc.