Personal Liability Insurance2017-07-19T13:00:20+00:00

Personal Liability Insurance

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Personal liability exposure exists in many different – and often unexpected – forms. While everyone may have some liability exposure, high net worth individuals are especially vulnerable; wealth can make them natural targets for lawsuits.

Following are some examples of actual industry claims that highlight personal liability exposures. Unfortunate incidents like these can, and do, occur.

  • A delivery man carrying packages tripped and fell over a dog resting on the steps.
  • An interior decorator fell through rotted board on a guest house porch and fractured her ankle.
  • While performing maintenance work, a domestic employee fell from a roof and sustained fatal injuries.
  • The employee of a landscaping contractor sustained severe injuries on the premises due to unsafe work conditions and equipment failure.
  • Excessive weight and improper design caused a deck to collapse during a party, injuring numerous guests.
  • A New Year’s Eve party guest was severely injured while dancing.
  • The host of a private house party was sued for negligence after a party guest sexually assaulted another attendee.
  • A farm animal escaped from the property, wandered into a roadway and caused a fatal car accident.
  • An insured’s elderly mother-in-law fell in a dimly lit entry foyer and fractured her hip.
  • A large tree branch fell onto a neighbor’s greenhouse and caused extensive damage.
  • The drainage system from an insured’s swimming pool caused flooding and water damage to a neighbor’s property.
  • Dog bites: a dog escaped from a closed bedroom and bit a party guest; a dog bit a contractor working on the insured’s property; and while being walked, a dog bit a passing skateboarder.
  • Hobbies: An errant golf ball struck a pedestrian, causing severe injuries.
  • Children’s activities: The playmate of an insured’s daughter allegedly struck a domestic employee who was babysitting the children (personal negligence arising from the actions of a minor).
  • An insured was accused of making slanderous remarks in a speech during a political campaign.
  • An insured was sued for defamation as a result of forwarding an e-mail containing disparaging comments about the someone.
  • After taking legal action to stop a neighbor from building an addition to his home, an insured was subsequently sued by the neighbor.
  • A former domestic employee sued over allegations of discrimination and wrongful termination.
  • An insured ended a relationship with a domestic partner and forced the partner to move out of the home. The partner sued with an allegation of wrongful eviction.
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