Liability Coverages Flashcards
1
Q
Who is insured under liability?
A
- Anyone named in the insurance policy
- any person liable for damages caused by operating your boat or taking your dog for a walk (with your permission)
- a residence employee using your motorized vehicles while performing duties
- your legal representative if you die
- any person insured by the policy after you die
2
Q
What is legal liability?
A
responsibility which courts recognize and enforce between persons who sue each other
3
Q
Premises in terms of liability
A
Any premises (camp, seasonal, etc) the insureds frequent if named in the declarations
4
Q
Are you covered for liability in a premises you don’t own?
A
yes, only if it its less than a 90 day visit
5
Q
Are you covered while you move for liability?
A
yes in the new premises if your existing insurance is still valid and not beyond 30 days of move in
6
Q
Is a cemetery plot considered a premises in terms of liability?
A
Yes
7
Q
Is vacant land you own insured for liability?
A
yes, on its own or if delclared on your homeowners policy
