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Liability Insurance
Liability insurance is a system designed to protect the insured from lawsuits and similar claims. Generally, its policy does not cover contractual liability as well as damages caused intentionally.
1,430 Questions
What coverages are included in a Commercial general liability insurance policy?
The insurer's general undertaking in most liability policies is to pay those sums that the insured becomes legally liable to pay as damages because of bodily injury or property damage to which the insurance applies. The insurer also undertakes to defend the insured against any suit seeking those damages for bodily injury or property damage to which the insurance applies (which means that the insurer hires an attorney and pays related attorney's fees and court costs). These coverages are included under Coverage "A" of the Commercial General Liability policy (hereafter, CGL).
Coverage "B" provides protection for personal and advertising injury (distinct from "personal injury").
Coverage "C" provides medical payments coverage for an injured person .
There are many exclusions to the coverage provided in the standard CGL policy, which must be filled by endorsements or speciality policies in order for the insured to have truly comprehensive coverage.
Can Texas apartments charge for liability insurance?
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.
Is liability insurance automatic with home owners policy?
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 Detailmy 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. AnswerThe 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.
What is the purpose of professional liability insurance?
Professional Liability Insurance provides protection from liabilities that could arise from the practice of your profession.
As a professional rendering a service, that person, is susceptible to be taken to court if the client is dissatisfied with the services rendered.
A person could be taken to court for breach of contract, negligence or performance issues with or without proof of the accusation.
Professional Liability Insurance will (within Policy coverage Limits) help cover the cost of legal defense attorney fees as well as the cost of an eventual judgement rendered should the insured be found liable in court.
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Where do you get car repossossion permit?
who is allow to do Vehichle/car repossession? when is a vehichle/car repossession not allowed? whats the minimum insurance needed for car repossession?
Does homeowners' liability insurance cover personal injury on another property?
No, your Homeowners Insurance will not. Your Medical Insurance Will.
Why is liability insurance important in medical office?
Type your answer here... why is liability insurance important in the medical office
Does homeowners' liability insurance cover a personal injury claim from another property?
Not if the injury occurred away from the home No. And also not if any crime was involved.
What is the General Liability Class Code for disaster restoration company?
what is the general liability class code for distaster restoration services
Does homeowners' insurance cover a personal injury claim from another property owned?
No. Your homeowners will only cover personal injury if it occurs on the property listed on the policy.
Are parking lots liable for damage to cars?
Not for one car damaging another, the driver is responsible for that, but if a light pole falls on your car perhaps
Is Texas a no fault state in auto accidents?
Texas is NOT a no-fault state for auto accidents. You can, however, purchase uninsured motorist coverage.
How is general liability insurance different from public liability insurance?
Technically, there is no difference between the two, besides the fact that many of the public and product liability risks are often covered together under a general liability policy. These risks may include bodily injury or property damage caused by direct or indirect actions of the insured.
You can read more about public liability insurance on the Bizcover website in related links
What insurance is needed for a small business?
You will need a general liability policy and you might be able to get a business owners policy that would cover your property and your liability all in one policy.
The most inclusive type of insurance package is a Business Owner's Policy (BOP). Many insurance companies have specialized BOPs that are comprehensive but priced to suit the small business market. The BOP includes both property damage and liability coverage. Typically this includes loss of property, data, records and income, theft and general liability against claims for injury or damage sustained by a visitor to your business premises or through the use of your services or products.
Is Professional Liability same as Employment Practices Liability?
Yes, it's a part of Professional Liability.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
How do you find out if a contractor has liability insurance?
It depends on the state most of them will have a website that you can check with the contractors state license board.
Ask for a certificate of insurance.
What if a tree is of equally on the property line whose responsible?
You are responsible for the portion on your property and the other guy is responsible for the portion on their property.
Does a self employed hairdresser and beautician need liability insurance?
I have been told yes. Very much so. Friend owns a salon and said www.sassiagency.com is one of the cheapest and best. You need it so if you are ever sued as you are an independent worker so not covered under salons insurance. It is suppose to be cheap. Under $500 a year.
How much does liability insurance cost for a 17-year-old with a 1998 Kia?
It depends on many different things like if your male or female, your grades, If you are on your own policy or your parents. If you have ever gotten into an accident or had a ticket, and where you live. Get some quotes online. That will give you a good ballpark range.
