☰ ˟

Build Your Custom Solution
Logo
  • Who We Are
    • Blog
    • Testimonials
    • Who We Are
  • Group Benefits
    • Group Benefits
    • Actuarial Services
    • Areas of Specialization
    • Custom Employee Communications
    • Health Care Data Analytics
    • Health Risk Management
    • Health & Welfare Program Benchmarking
    • Human Resource Assistance
    • Pharmacy Benefits Services
    • Plan Administration & Legislative Compliance
    • Plan Design Modeling
  • Business & Commerical
  • Contact
    • Contact
    • Employees
    • Join our Newsletter
    • Locations
  • Client Login

Are your competitors spending less on their employee medical claims?
Home > Blog > What Are My Personal Responsibilities if Someone Is Hurt on My Property?
THURSDAY, SEPTEMBER 7, 2017

What Are My Personal Responsibilities if Someone Is Hurt on My Property?

Foot Through CeilingMany factors play a role in home ownership and liability. Homeowners need to ensure their property is safe. If someone steps foot on your property and suffers an injury, you may be responsible for this.

Understanding local, state and federal liability rules is a complex process. Your home insurance may be able to help, though. If someone suffers an injury on your property, your insurance company will likely help you navigate the claim process.

What If Someone Steps Onto Your Private Property?

A person is walking down the street. Their dog runs off onto your property. They run after the dog. They trip, fall, and suffer a broken leg. Who is responsible for the medical bills?

Most state laws list this person as a trespasser. That means you did not provide that person with permission to access the property. In this case, you may still have some responsibilities. Property owners cannot take willful steps to injure someone who enters the property. However, you likely have no other responsibility – in most states – to protect that individual's safety. This type of claim is unlikely to be successful. You might not need to file the claim because the person did not have permission to enter your property.

What If Someone Receives an Invite to Enter Your Property?

Your friend calls and wishes to visit. You welcome them over. But, your dog bites them. Who is responsible for the medical costs now? In this case, you will likely be responsible.

You knew the individual was present. You likely have an obligation to provide that person with protection and a safe place to visit. You have to take all reasonable steps to ensure their safety. Here, your home insurance is likely to provide coverage for a claim, depending on the terms of your plan. In this case, make sure you have pet bite coverage.

You Warn Them of the Risks

Your home suffers damage from a fire. You need help making repairs. You invite a contractor to the home to provide an estimate. You warn them about the dangers. The contractor falls and suffers an injury. Who is responsible?

In this case, the contractor is likely a licensee. You have the responsibility to warn them of the dangerous situation. However, after that warning, the individual makes the decision to enter the property. As long as you warn about risks or those risks are obvious, you may not be responsible for the claim.

Home insurance liability does provide significant help here. Work with your agent to ensure you have proper coverage at all times.

Do you need Pittsburgh home insurance? Let us help. Call Stalwart Insurance Agency at (844) 220-6047 for a fast, convenient policy quote.

Posted 7:26 PM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2018
  • 2017

  • employee benefits(6)
  • stalwart insurance(5)
  • coverage(4)
  • health insurance(4)
  • insurance(4)
  • group benefits(3)
  • auto insurance(2)
  • benefits(1)
  • process(1)
  • onboarding(1)
  • enrollments(1)
  • home insurance(1)
  • business insurance(1)
  • pittsburgh renters insurance(1)
  • employees(1)
  • company(1)
  • perks(1)
  • renters insurance(1)
  • physical exam(1)
  • pittsburgh auto insurance(1)
  • offerings(1)
  • protection(1)
  • prescription drug cost(1)
  • workers compensation insurance(1)

View Mobile Version

Our Customer Feedback

Read More

Our latest blogs

  Stalwart Insurance, LLC
2550 Boyce Plaza Rd #120
Pittsburgh, PA 15241
412-677-2312
Stalwart Insurance has assembled the finest, most experienced, and successful staff of benefits professionals whose practical knowledge is matched by their ethics and integrity. We further arm them with continuous education, training and cutting-edge technical resources. These highly specialized consultants have built a reputation for excellence, and a tenacious pursuit of dominant agency growth.
We're here for you
Home Page/ About Us/ Contact Us/ Our Blog/ Latest News/ Join Our Newsletter/ Refer A Friend
Quick Help Links
Quote Forms/ Service Forms/ File a Claim/ Make a Payment/ Insurance Glossary/ FAQs/ Drug Costs Benefits Toolkit
Icon Icon
Icon Icon Icon
Social Icon Social Icon Social Icon Social Icon
© Copyright 2018. All rights reserved. Powered by Insurance Website Builder