Does Home Insurance Really Cover Contractors Who Are Injured While Working on My Home?

If you are looking to hire a contractor to complete work to your home in Pembroke Pines, FL, it is important that you ensure the contractor carries their own insurance. But, even if they do carry insurance, they may still be able to come after you if they are injured on your property. Here is some information you need to know about home insurance and its coverage for contractors.

Injury Liability Coverage

Under most homeowner’s insurance policies is a coverage called injury liability coverage. This coverage covers anyone who is injured while visiting your property, including family members and contractors. The amount of coverage you have varies based on the details of your policy. Pull out your policy and ensure you have enough coverage before you hire a contractor.

Intentional Act Exclusion

While most contractors will be covered if they are injured while working on your home, there is one key exclusion. The intentional act exclusion. If the contractor jumps off a roof and purposely injures themselves, you or your homeowner’s insurance may not be liable. Likewise, if you shake a ladder while a contractor is on it and cause the contractor to fall, your homeowner’s insurance may not offer coverage. As long as the act was an accident, rather than something done on purpose, your homeowner’s insurance will cover it.

If you are beginning a home construction project in the near future, it is always important to read over your home insurance policy and see what is covered and what is not. An insurance agent can help you with any questions you have. If you have any questions about your policy or need a new one before contractors begin work on your home in the greater Pembroke Pines, FL area, call McCormick Insurance Inc. We can help answer your questions, ensure your policy meets your needs and if it doesn’t, find a policy that does.