Someone gets hurt on my property who is responsible?

If someone gets hurt on your property who is responsible? Well, you’re arguably responsible since it happened on your property. Let’s say you just mopped your floors and someone slipped on your floor. Or you had some construction going on and they tripped because the flooring wasn’t level. That is something that you would be responsible for and under your homeowner’s policy. There’s coverage for those types of bodily injury claims that could be made against you. Those are part of the liability portion of your homeowner’s insurance policy. Your liability coverage has limits and you should seek umbrella coverage just in case your liability exceeds your policy limits.

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