Domestic animals are not covered under the homeowners policy. As it pertains to a liability situation, a dog would be considered 'property' and the homeowners "damage to property of others" provision in the liability section of the policy applies but only if you were the one who injured the dog, usually with a limit such as $500.
Yes - check with your home owner's insurance company and ask for a dog sitting rider for your policy. This would be a very good idea.
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.
so that if them, or a loved one dies, or is injured, they are not burdened with the medical expenses. to minimise the risk when risk actualy occure.
No. The injured party cannot be a household member. It does not matter if they are not listed on the policy.
No, that would be medical insurance. Homeowner's insurance covers things like burglaries and damage to the home. * Homeowner's insurance will pay for injuries to other persons that occur on the owner's property when they find the claim justified.
You should check your homeowners insurance policy declarations. But with that said, your policy should have guest medical protection which could range from $500-$25,000 for your guest's medical expenses.
As with anything regarding health insurance, it depends. Generally speaking, in an auto accident the question about medical benefits is secondary to providing the best care for the accident victim. After the emergency has passed is the time for figuring out who pays for the medical expenses. Often health insurance is asked to pay first. However, health insurance companies have a program called "subrogation" that seeks to ensure that the responsible party pays for their share of expenses. In the case of a car accident, typically the auto insurance will be primary and should pay medical expenses first. During the process of subrogation the health insurance provider will contact the auto insurance provider and negotiate who should pay the bills. See http://en.wikipedia.org/wiki/Subrogation for additional information.
Worker's compensation is insurance coverage for employees to compensate them in case they are injured while performing their job. The employer pays a premium that covers medical expenses and lost wages in case their employees are injured. If these benefits are excepted the hurt employee must release the employer of further liability. The insurance company pays the claim and the employee can no longer sue the employer for the injury.
medical insurance
It's on your car insurance.
If it is not work related your insurance may cover it but it will be like a regular injury. Example: You get hurt at home and you have to go to the doctor. It would be treated the same!
NO, that's what the vehicle insurance is for.