Liability Protection

[lawman]

I'm posting this question here because I consider it to be financial in nature..If I'm wrong, my apologies..I want liability protection that protects me basically for anyone that is injured on my 65 acre farm including in and around my house. I want protection for injuries sustained by my house cleaner, a yard man, a tree trimmer, a roof repair man, a fence builder, a tractor operator...you get the idea..I rarely pay anyone to do these things but as I get older I find myself hiring people to do more around here..I'm told my homeowners policy will not do it, a farm employee liability policy will not do it, an umbrella policy will not do it..Does anyone else have liability protection that covers ALL those listed? I live in Texas..Thanks..

[MichaelB]

Umbrella liability insurance that covers farms should satisfy this need. Here’s one example (not a recommendations, just an example. https://www.amfam.com/insurance/umbrella/farm-ranch

[razztazz]

I can understand the home-owner's policy not covering the people working on things not in and of "The House" or immediate grounds i.e. that tractor guy, well-digger, anything farm-work related. But my understanding of the liability portion of homeowner's insurance is that it exists specifically for accidents that happen in or about the "home" i.e patio, lawn, backyard, garage etc. And that would mean a plumber, a roofer, a lawn care guy and normal household traffic

Maybe we all need elucidation on this....?

[lawman]

Quote:

Originally Posted by razztazz I can understand the home-owner's policy not covering the people working on things not in and of "The House" or immediate grounds i.e. that tractor guy, well-digger, anything farm-work related. But my understanding of the liability portion of homeowner's insurance is that it exists specifically for accidents that happen in or about the "home" i.e patio, lawn, backyard, garage etc. And that would mean a plumber, a roofer, a lawn care guy and normal household traffic Maybe we all need elucidation on this....?

That's what I thought too..My agent and one of his competitors told me that homeowners will cover accidents to visitors..Employees including anyone you are paying for a service are not covered except possibly in the case of a caregiver..

[lawman]

Quote:

Originally Posted by MichaelB Umbrella liability insurance that covers farms should satisfy this need. Here’s one example (not a recommendations, just an example. https://www.amfam.com/insurance/umbrella/farm-ranch

My agent gave me a quote for a similar policy but told me it would not cover people working on my house or lawn..

[razztazz]

Quote:

Originally Posted by lawman That's what I thought too..My agent and one of his competitors told me that homeowners will cover accidents to visitors..Employees including anyone you are paying for a service are not covered except possibly in the case of a caregiver..

AH! OK I see a distinction. Someone you are paying to do work could be:

A) A contractor. That plumber, carpet cleaner, roofer, lawn care guy. As a contractor that business owner would or should have his own insurance. Your homeowner's policy would never or almost never enter the picture there.

Or...

B) Someone essentially on your own "payroll," so to speak. That's where the basis of this thread really lies. i.e. Outside businesses who aren't insured (most likely making them illegal anyway) and people who are a legal extension of yourself making you responsible for them. This is why I don't hire kids to shovel my walkway.

[ExFlyBoy5]

The safest thing is to hire people who are insured. And make sure they are *actually* insured. Reputable companies will readily give you this information and I have found that it's very easy to confirm w/ the insurance companies.

In the law world, the distinction is that people on your property are either invitees (there for business) or licensee (there for pleasure). And yes, the terms are correct...I didn't put them in backwards. Makes a whole lot of sense, right?

[MichaelB]

Quote:

Originally Posted by lawman My agent gave me a quote for a similar policy but told me it would not cover people working on my house or lawn..

Is your agent saying that the policy coverage you want is not available, or only that he does not sell any? Hard to believe there is no policy to cover all liability on a farm.

[ExFlyBoy5]

This article is very good in discussing some issues that farmers may have to deal with.

https://www.farmanddairy.com/top-sto...rm/385382.html

[MRG]

Quote:

Originally Posted by MichaelB Is your agent saying that the policy coverage you want is not available, or only that he does not sell any? Hard to believe there is no policy to cover all liability on a farm.

We had a couple of "Farm and Home" policies when we were on a farm. They were advised as coverage for all legit activities. I think it was through AmFam. That said our agent was a crook and would have sold anything to up his profit.

[lawman]

Covering farm hands would not be difficult ..The hitch is covering those people one may hire to work around the house..I don't know many bonded and insured maids or yard men... I believe many think they have coverage they don't have..

[Sunset]

Quote:

Originally Posted by lawman Covering farm hands would not be difficult ..The hitch is covering those people one may hire to work around the house..I don't know many bonded and insured maids or yard men... I believe many think they have coverage they don't have..

Well it's up to you to only hire ones that are covered, even though they will be more expensive than the shady operator cutting corners.

And since you will be paying more, best to confirm they are covered, when they claim they are covered.

[lawman]

Quote:

Originally Posted by Sunset Well it's up to you to only hire ones that are covered, even though they will be more expensive than the shady operator cutting corners. And since you will be paying more, best to confirm they are covered, when they claim they are covered.

I guess I could check with my shady house cleaner to see if she is insured but should she fall down my stairs I'm not sure just exactly how that would protect me from a civil suit..