What’s Covered In California Business Liability Insurance
With our busy lifestyles, we often find ourselves “outsourcing” some of your responsibilities. These may include hiring others to help in the following duties:
- Babysitting
- Gardening
- Decorating
- Housecleaning
- Laundry
- Grocery shopping
- Personal errands
- Car pooling
- Minor home repairs
- Lawn maintenance
- Meal preparation
- Exercise
People used to have butlers, maids and nannies, but today, “individual specialists” provide the same services on a part-time or full-time basis.
Who’s responsible?
Unlike a commercial business that usually has business liability insurance coverage for anyone providing a service to the business, the responsibility for injuring other people or the damaging property of others may fall directly on the homeowner. If an unfortunate accident happens, will a homeowner insurance policy provide any coverage?
Good News
A person who employs the services of another can be held legally liable if the “employee” causes an accident. Coverage for the accident will depend on the details surrounding what happened. If the accident happens while work is done is strictly related to the home, the homeowner’s insurance policy will generally cover the loss. However, a homeowner’s policy will exclude coverage for losses related to business.
Be Prepared
If you’re not sure about what happens when a person you hire causes an accident, you need to find out. Call your insurance agent and make sure that your needs are covered in case of an accident.