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Personal Injury Lawyers -  Have you been hurt in an accident?

 

 

 

DO YOU NEED ADDITIONAL INSURANCE FOR WORKERS ON YOUR PROPERTY?

 

 

Do I Need To Buy Additional Accident Insurance if Someone Falls On My Property While Working?

 

  Often times as a homeowner you will have to call in contractors, landscapers and other types of workers to do projects around your home.  If one of the workers gets hurt or falls while working on your property you could be liable for their injuries in some cases.

 

  If you hire a casual worker to come in and do some yard work and painting, perhaps a student working for the summer, then you may be liable for their injuries if they get hurt on your property.  As the homeowner, you have a duty to inform the worker of any dangers on your property.

 

The worker would be a licensee which means they are using your property with your permission.  Licensees are generally covered by personal liability insurance that is included in your homeowner's policy.  However, the extent of the coverage is subject to liability limits and those liability limits may not be enough to cover the medical expenses that may be incurred.

 

If the worker comes onto your property and doesn't use safety precautions while they are working, and they hurt themselves due to their own negligence, then you may not be liable for their injuries.  The difficulty here for you is to prove that the casual worker did not exercise normal precautions before undertaking their work. Also, you need to be careful in who you hire. Always, make sure that you get a physical copy of the company‚Äôs liability policy which states the liability limits of coverage sent to you before any work is started. You should try to get something written into your contract with the Company you hire to do the work that they are responsible to carry liability insurance for their workers AND for any workers they sub contract jobs out to. This is tricky. If a contractor subs out work you should try to have something added to the contract to have the contractor on the hook to make sure that any subs carry liability insurance.  Most likely, you would never know who on your property is working for the Company you hired to do work and who they subcontracted a job out to.

 

 There are policies that you can buy to help cover gaps in coverage in your homeowner's police.  These are called umbrella policies.  Umbrella policies extend your homeowner's policy to cover things above and beyond what your policy covers.  For example, if your policy carries a liability limit of $100,000 and medical expenses for the injury becomes in excess of that amount, the umbrella policy will kick in and may take care of the excess.   Umbrella policies are generally pretty inexpensive and only cost from $150 to $300 a year.  These are a good cushion to have to fall back on especially since they extend the limits of the entire personal liability policy.  If you are liable for property damage, or if a member of your family is liable for personal injury, property damage or bodily injury, these may be extended as well.  What umbrella policies do not cover are intentional acts of bodily injury, personal injury or property damage, or anything caused by a business that you own.  If you own a business then you will have to buy a separate policy for your business.

 In cases where you hire a contractor to come into your home to do remodeling or other work, you should make sure they are licensed, bonded and insured.  Also, be sure that you don't get involved in the work that is being done.  When you do, and an injury occurs then you could become liable for those injuries.

 

 As always, it is your responsibility as a homeowner to advise of any hazards that could potentially cause and injury.  If you fail to tell worker's about hidden dangers then you may become liable if they are hurt.  Also, if you become involved in the work the contractor is doing, there is the potential that you could become liable for injuries.

 

You should not tell the contractors what equipment to use for specific projects.  If a worker climbs a bad ladder and falls or uses a tool wrong and it breaks, injuring them, you may become liable for the injuries.  As a homeowner, you should be aware that if the contractors do not complete the work as specified then you can file suit under contractors laws.

 

 If you hire someone to come in and clean your house, be a nanny, a nurse or do any type of domestic work in your home, then there is another potential option that you must consider.  Your basic homeowner's policy is limited as to what is covered.  For someone coming into your home to work you will need to purchase additional insurance in case they are injured.

 

Worker's compensation insurance is something that you, as an employer, will need.  This will cover lost wages and medical expenses if they are injured while working.  You should be able to purchase worker's compensation insurance from the same company where you purchased your homeowner's policy.  You will also want to look into getting insurance for theft of property, identity and extra vehicle insurance to cover damages caused by someone who is not a member of your family.

 

 Unemployment insurance is another option you need to look into if you are hiring someone to work within your home on a long term basis.  Insurance of this type is different for each state.  Contact your state government to make sure you get the correct information regarding unemployment insurance.  It is generally your responsibility to provide a former employee lost wages and ways to find another type of employment.

 

 In all cases make sure you contact your insurance provider to check premium pricing for extra insurance, what exactly is required by your state for certain types of worker's and keep your information up to date and in a safe, but handy place so you will have it for future reference in case the unthinkable happens.  That way claims can start smoothly and get processed quickly and correctly.

 

 Personal injuries are unexpected. Protect yourself and your families financial future by making sure you have the proper insurance.

 

 

 

 

 

 

If you need help finding a personal injury attorney in NJ including: Jersey City

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Newark, Orange, West Orange  Essex County , Morris County , Passaic County, Bergen County,

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BOONTON TWP (07005), CEDAR GROVE (07009), DENVILLE (07834), EAST HANOVER (07936), ESSEX FELLS (07021), FRANKLIN LAKES (07417), FLORHAM PARK (07932), GLEN RIDGE (07028), KINNELON (07405), HOPATCONG (07843), LIVINGSTON (07039), MONTCLAIR (07042, 07043, 07044), MONTVILLE (07045), MORRIS PLAINS (07950), MORRIS TOWNSHIP (07960), MOUNTAIN LAKES (07046), NORTH CALDWELL (07006), NUTLEY (07110), OAKLAND (07436), PARSIPPANY (07054), POMPTON LAKES (07442) POMPTON PLAINS (07444) RANDOLPH (07869), ROCKAWAY (07866), ROSELAND (07068), SPARTA (07871), VERONA (07044), WAYNE (07470), WEST ORANGE (07052)

 

 

 

 

 

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Serving Essex County , Morris County , Passaic County, Bergen County,

Sussex County, Union County, Hudson County, and Somerset County New Jersey (NJ)

 

BOONTON TWP (07005), CEDAR GROVE (07009), DENVILLE (07834), EAST HANOVER (07936), ESSEX FELLS (07021), FRANKLIN LAKES (07417), FLORHAM PARK (07932), GLEN RIDGE (07028), KINNELON (07405), HOPATCONG (07843), LIVINGSTON (07039), MONTCLAIR (07042, 07043, 07044), MONTVILLE (07045), MORRIS PLAINS (07950), MORRIS TOWNSHIP (07960), MOUNTAIN LAKES (07046), NORTH CALDWELL (07006), NUTLEY (07110), OAKLAND (07436), PARSIPPANY (07054), POMPTON LAKES (07442) POMPTON PLAINS (07444) RANDOLPH (07869), ROCKAWAY (07866), ROSELAND (07068), SPARTA (07871), VERONA (07044), WAYNE (07470), WEST ORANGE (07052)

 

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