Public Liability Insurance is the ideal insurance that will cover someone injured on your property.
This type of policy covers the insured's liability to members of the public. Such liabilities may arise as a result of the insured's business operation. The business being operated by the insured in his/her premises may at times lead to death, injury or accident to third parties, or damage to third party's property. Insured means policy holder.
A bit more:
Your homeowner's insurance policy will also include liability insurance if you have the right type of policy. Check with your homeowner's insurance company to see if you have that type of coverage.
Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.
Expect nothing, get an attorney...
When you own a home you are libl for nything that happens on your property. Homeowners liability insurance covers you in the event someone i injured on your property. Homeowner's liability insurance covers the homeowner in the event that someone gets injured while on their property. It covers medical bills and other expenses for guests if something happens to them while at your home.
Workers compensation is similar to insurance. If someone is injured while on the job the employer has to pay for wages lost while injured as well as medical expenses.
No. The injured party cannot be a household member. It does not matter if they are not listed on the policy.
There are many types of insurance you will need to own and operate your barbershop. The most important insurance will be liability insurance. Liability insurance will protect you in the event someone is injured on your property.
No it is not
No You would need to seek coverage under your medical insurance policy for accidental injuries. Homeowners insurance is for property and liabilities that may arise out of home ownership. Home insurance does not replace medical insurance. If you think the property owner is liable through cause of injury, you might seek coverage under their liability if they carry the coverage.
Not against your own insurance.
Loss assessment on a homeowner's insurance policy is protection against getting sued for a person being injured on the property. This is a common insurance that condominium owners need to protect themselves from lawsuits for someone being injured in the common areas of the condominium complex..
You don't HAVE to cover your property with homeowners insurance once your home has not mortgage but you could lose everything if you had a fire or if someone was injured on your property. Some HOA's require some type of insurance on every property regardless of mortgage. Its not a wise decision to drop coverage.
Homeowner's insurance covers most basic liability needs, should someone become injured on your property. Additional coverage against fire, flood, and earthquake is also recommended to protect your investment.