Homeowner's Insurance

Is a work trailor cover by homeowners insurance?


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2013-08-18 22:43:47
2013-08-18 22:43:47

No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself would have to be purchased on a separate policy or a commercial fleet policy.

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you are correct homeowners will not cover a motorbike, that is a policy by itself. as for the ATV, it would have to be used for farm or other type work, not personal, to be covered on homeowners. again, ATV insurance is a policy of its own as well.

Yes. But the electrical company's insurance co should cover it if they are at fault.

The contractor should be bonded and carry liability insurance and you need to require proof of this before they start. Homeowners insurance is not meant to guarantee work on homes.

Work cover is a compulsory insurance scheme. It is contributed by the Victorian employers. It provides businesses with insurance cover.

Homeowners insurance policies are personal lines coverage and typically do not provide coverage for commercial or work related activities.

A trailer is not covered under a homeowners policy whether or not it is used for work. You need to purchase a seperate policy to cover this type of property for physical damage coverage. While it is being towed and attached to a vehicle the laibility coverage from the vehicle extends to the trailer so if you back it into someone's car the towing vehicle's liability insurance will pay for the damage done to the other person's car.

Maybe, consult your agent or claims department and ask. Who did the work? If it was you most likely not. If it was a contractor, his insurance will cover you.

Generally no. Hired workers are not covered under a home insurance policy. Homeowners insurance policies do not cover "poor workmanship" But the contractor or repairman's Commercial Liability policy will cover if he damages your property or fails to perform repairs up to the standards that a reasonable person would expect. This is why you should always hire from established companies that you can verify are properly licensed and insured to perform the work.

out of state truck insurance only covers you if you have bought interstate insurance. it will not cover you if you only have local insurance. along with that for interstate work the truck must be tagged for interstate work

Damage from animals is not a covered cause whether or not it is caused by a rodent or varmint.

For water damaged household goods, you would require flood insurance if the water damage was caused by flood. Otherwise, homeowners insurance or renters insurance would quite possibly work depending on whether you own or rent your home.

No, Homeowners insurance is property and casualty insurance that provides coverage for the property of the named insured as well as coverage for certain liabilities that can arise out of ownership.It is not a replacement for medical or disability insurance.

NO, Your homeowners or renters policy will not provide coverage for hired workers or contracted movers. It is the responsibility of the Employer to provide coverage for work related injuries of it's employees, not the customer.

No, Your Homeowners Insurance does not provide coverage for hired workers. If they were working at your home they should have medical coverage through their employer or if self employed they should have a contractors insurance policy to cover any injuries they incur while practicing their profession. Always check the licensing and Insurance status of any contractor or tradesman your hire to perform work at you home.

In case a client sues, what type of insurance do MT's buy to cover their work?

Once the insurance company has paid the claim for stolen items they become the legal owners of the items.

There are numerous possible examples of things that business insurance would cover. Business insurance will cover things such as property damage and work casualties.

Your insurance is good for any work you have done from this point forward. It does not cover work that was performed prior to having the insurance.

Not unless the transmission was damaged in an auto accident. Auto Insurance does not cover maintenance nor does it cover normal wear and tear.

First you ask your parents (whom I presume are at work) if they have homeowners, medical coverage and liability insurance, then you...

Employer's liability insurance exists to protect an employer from an employee's insurance claims from conditions resulting from work. The insurance should cover medical costs and some lost wages.

Contractor insurance is when contractors get injured or hurt during work. The insurance is supposed to cover or partially cover their medical bill for the hospital. http://www.ehow.com/info_7924969_contractor-insurance.html

No, Homeowners Insurance covers houses. A home insurance policy will not cover damage to your vehicle. that's what auto insurance is for.Auto insurance covers cars.Another Answer:What do you mean "cover"? If you mean if they are covered for physical damage to the vehicle itself, my answer would be "No"! : ) If by vehicle you mean a snowmobile, or an ATV, then all kinds of things could happen. The company I work for only provides liability and physical damage coverage to motorized vehicles if they are solely used for the upkeep and maintenance of the property named on the policy. If you loan your garden tractor to your son to use at his property, then there's no coverage. Ever. Other companies in my same state will add these motorized "toys" to the homeowner's policy for an extra premium. Best to call your agent!

Yes. I work at an insurance company and will always say that we insure stupidity.

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