Are You Covered For These Common Liability Insurance Claims?

1
Are You Covered For These Common Liability
Insurance Claims?
2

• While most of us dont anticipate someone having
  an accident and hurting themselves while on our
  property, you might be surprised to learn just
  how often it actually happens. Aside from the
  risk of harm to the person visiting your
  property, there are the potential financial
  repercussions for you, the homeowner, too. If
  your existing homeowners insurance policy doesnt
  have enough liability coverage, then you could be
  left facing costly medical and/or legal bills.
• A professional insurance advisor can help
  determine whether the level of protection you
  currently have with your homeowners insurance
  policy is good enough to meet your needs.

3

• Here are just a few of the most common liability
  claims made against homeowners to date
• Dog bites/attacks
• With so many Americans having pets at home, dog
  bites to visitors can occur regularly, and what
  legal action you face will depend upon the
  severity of the attack and the victims
  relationship with the home owners. A typical
  homeowners insurance policy covers damages and
  injuries caused by pets but note that some breeds
  are excluded due to the higher level of risk they
  present. Check with an insurance advisor to see
  if your policy will cover you adequately.

4

• Accidents at home
• Even if a salesperson comes onto your property
  uninvited, if they incur an injury due to
  negligence on your part, such as a faulty
  flagstone or ice on a walkway, then you may be
  help liable if youre found to be at fault.
  Again, check your policy to make sure youre
  covered and consult with a professional if youre
  unsure.
• Falling trees
• During storm seasons, trees falling and causing
  damage to property and people are not uncommon,
  and if you have a tree on your property that
  falls and damages any of your neighbors property,
  then you could be held liable.

5

• Injuries to domestic workers
• Many Americans hire domestic workers to help them
  keep their homes and yards clean and tidy, and
  while some may have workers compensation
  insurance to cover them against lost wages and
  medical payments, if they dont, then your
  homeowners policy may be asked to pay the claim
  should you be found liable for their injuries.
• As well as checking your existing homeowners
  insurance coverage with your provider, you should
  also check to see if youre required by law to
  purchase workers compensation insurance for your
  domestic workers.

6

• To know more about protecting yourself against
  common liability claims, check with your
  insurance provider for all the latest
  information and legal requirements, today.
• We Insure Miami was founded on the principle that
  every individual and business, big and small, has
  assets and valuables that need to be protected
  and insured against forces outside of our
  control. We offer Auto, business and homeowners
  insurance in Miami FL. Our agents understand that
  you work hard every day to protect your car,
  home, business and family. WE are passionate
  about Insurance and passionate about serving you.
  If you are looking for car, business or home
  insurance in Miami FL, contact us for a quote or
  a complimentary review of your insurance policies.