Liability Insurance claims and business license.
Question Details: We board our horses at a boarding facility. We also ride there. When we signed contracts with the owner, she assured us she has liability insurance. I just found out she does not have a business license for her facility. Would an insurer insure her premises for liability without her having a business license or do you think she's blowing smoke?
Insurance Law Law Answers
It's entirely possible that she could in fact have the insurance, since this probably isn't the sort of business where an underwriter would feel a need to check licensing compliance. The only way that you can find out for sure is to ask for a certificate of insurance, which the owner should be able to get from her insurance agent without any real trouble at all (it's a one-page form, that the agent's computer can probably kick out in about a minute) -- if she does have the insurance.
Related Insurance Law Questions
- Is a business required to have certain types of insurance?
- I already have a contractor’s license in my name, but I want to form a corporation. What do I d...
- What if I operate my business in multiple locations, will I need a separate license for each locatio...
- Under what circumstances, if any, am I required to have business insurance?
- Is posting of the business license or permit to operate my business required?
Didn't find your answer? Ask.
Top Ranking Attorneys
- Hong Shen206 Answers|Points 10300Gold Contributor
- Joseph Gasparrini46 Answers|Points 2200Bronze Contributor
- Kelly Broadbent81 Answers|Points 4000Silver Contributor
- Russ Pietryga66 Answers|Points 3250Bronze Contributor
- Shawn Jackson17 Answers|Points 850Bronze Contributor
- Glenn M. Lyon, Esq.26 Answers|Points 1280Bronze Contributor
- Hong Shen206 Answers|Points 10300Gold Contributor
- Kelly Broadbent81 Answers|Points 4000Silver Contributor
- Russ Pietryga66 Answers|Points 3250Bronze Contributor
- Sharon Siegel62 Answers|Points 3090Bronze Contributor
- Michael D. Siegel56 Answers|Points 2750Bronze Contributor
- Paula McGill50 Answers|Points 2500Bronze Contributor
Are you a lawyer?Want to be featured here? Sign up for a free profile and get started today! Click Here
More Questions Like This...
 |