Your landscaper falls from your tree while he is pruning it, and the injuries send him to the hospital. His medical bills are about $5,000 and he does not have any insurance. Will your homeowner's insurance cover you if the worker decides to file a lawsuit?
Most homeowners do not fully understand that they could be liable for damages from a maid, landscaper, or contractor if they are injured on the homeowner’s property. Homeowner’s insurance is designed to cover you for losses to third parties when you are responsible for the injury. Homeowner’s insurance does not cover business operations.
How to make sure you are protected