Does my homeowners insurance cover my son for personal liability if he accidentally harms a passerby while he is mowing someone’s yard?

Asked on September 21, 2013 under Personal Injury, North Carolina

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

Generally speaking, no it will not. Homeowners insurance will cover for "accidental damage" but how that is explained in your policy matters.  And covering your son on some one else's property is not generally covered as well.  If he was hired by the homeowner to mow the lawn then maybe their policy would cover him (unless he would be considered an independent contractor).  I would speak with an attorney  as soon as you can.  One that deals in insurance coverage issues.  Good luck.

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

Generally speaking, no it will not. Homeowners insurance will cover for "accidental damage" but how that is explained in your policy matters.  And covering your son on some one else's property is not generally covered as well.  If he was hired by the homeowner to mow the lawn then maybe their policy would cover him (unless he would be considered an independent contractor).  I would speak with an attorney  as soon as you can.  One that deals in insurance coverage issues.  Good luck.


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