A Caroler Slipped & Fell…Now What?
If you are lucky enough to have people on your doorstep spreading holiday cheer, the last thing you want to worry about is an accident. Unfortunately, slip and fall accidents can range anywhere from a minor inconvenience to a major liability. Things like a broken step or icy walkways are some of the major culprits to an accident on your property this time of year. If one did occur at your home, would your Connecticut home insurance cover you?
As a homeowner, if you are responsible for the condition, knew about the condition, should have known about 
the condition and didn’t do anything to correct it, you will most likely be held liable for the injury. This means that if you failed to remove the ice from your walkway or repair a step and it injures someone on your property, you will be considered at fault in most cases.
Homeowners are responsible for all guests on their property, even solicitors. You may also be held liable for trespassers. The liability coverage on your home insurance policy will help cover you in an event like the one above. This also is a situation where having an umbrella insurance policy for added liability may be a good idea. If it is a serious injury, the costs can add up relatively quickly and your basic home insurance liability may not be enough. Worse, if it resulted in a lawsuit, you’d then have to worry about the lawyer and court fees that would then add up.
This time of year, especially with guests and delivery men potentially coming and going more, it’s best to keep all walkways cleared of snow and ice. It’s also a good idea to keep the area well-lit at night and make sure there are no walk-way stones out of place or other issues.
Questions about your coverage? Looking to obtain more coverage? Need a quote? Our agents are here to help with your insurance needs, no matter what they may be. Give us a call at 888.865.1244 today!
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