Generally, homeowners insurance provides liability coverage for accidents or injuries that occur on the insured's property, including those caused by domestic workers. This coverage typically includes:
Bodily injury: Homeowners insurance may provide coverage for medical expenses, lost wages, and pain and suffering if a handyman is injured while working on the property.
Property damage: Homeowners insurance may also cover the cost of repairing or replacing any property that is damaged or destroyed as a result of an accident caused by a handyman.
However, it's essential to note that there may be certain limitations or exclusions in the coverage for injuries to domestic workers. For example, some policies may only cover injuries that occur during the course of the handyman's work and not injuries that happen before or after the work. Additionally, some policies may have a limit on the amount of coverage available for injuries to domestic workers.
It is important to carefully review your homeowners insurance policy and understand the specific coverage and limitations related to injuries to domestic workers. If you have any questions or concerns, it's advisable to contact your insurance provider for clarification.
