What sort of insurance do I need to cover land / work liability?

What sort of insurance do I need to cover land / work liability?

What insurance would do the job if one has some land, and say a gardener one hires off craigslist trips and impales himself on some garden shears on my land? What insurance/s one need, what are they called, and what are the approximate costs, for something around 10 acres, that needed 15 hrs / month for maintenance landscaping.


You need a liability insurance policy. Sometimes they are called "umbrella" policies. If you have homeowner's or renter's insurance or auto insurance, call your insurance agent and ask what $1M of umbrella liability insurance would cost. It's usually very inexpensive, maybe $100-$200 per year for $1M of coverage. Every major insurance company has it. Shop around if you don't already have other insurance. This kind of policy usually is used to top up the other liability coverage you already have for your car, etc. A person you hire this way would probably be considered an independent contractor. I suggest also that you might try to have them sign a release which says that they won't hold you liable if anything happens to them while they are working for you or on your property. You can find these online. Search for "Release of Liability" or "Hold Harmless" agreeements.



Popular Q&A

Helicopter Ride Medically Necessary?
Yes, the insurance could possibly auto reject such claims but in addition to writing the appeal letter I would recommend calling the company back to find out more specifically what the stated reason was for why they said that the ride from the helicopter to the hospital was not necessary.I...

Is it legal for hospitals to bill or ask for a medical insurance for a work related injury?
Just fyi Mbrcatz, not all states w/c pays at the Medicare level. As a matter of fact, the state of Michigan pays higher than Medicare.A hospital is not supposed to bill a person's private medical insurance unless the claim has been denied by the employer and/or the employer's w/c carrier.As...

What does full coverage auto insurance cover?
You're probably out of luck as far as the GPS and watch. Car insurance ordinarily doesn't cover the contents of the car unless you have a rider for valuable equipment. While it might be covered under your homeowners/renters insurance I suspect their value would is less than your deductible...

What is the absolute cheapest car insurance a 21 year male can get?
In Houston, when I shopped out coverage for my 18 year old, SafeAuto was cheapest, at $2500 for minimum coverage.That makes it pretty darned expensive, if you have a claim for more than the "minimum coverage" - because YOU pay the difference.

What are some inexpensive, yet reliable auto insurance companies?
try mercury, aig, or progressive...get a free online insurance quote here...http://www.autoinsurancepros.netSource(s):http://www.autoinsurancepros.net