What happens if a handyman gets hurt on your property?

Asked by: Yadira Flatley  |  Last update: August 21, 2025
Score: 4.6/5 (53 votes)

If a handyman gets hurt on your property, your homeowner's insurance typically covers the injuries. However, the coverage might not apply if you did not take reasonable steps to prevent the accident.

Am I liable if a handyman gets hurt on my property?

Any person who does work in your house should be licensed and bonded which means that they can file for claims resultant from injuries. However, if they are not, they could potentially sue you as the homeowner should they get hurt.

How to protect yourself if someone gets hurt on your property?

If someone gets hurt on your property, here are reasonable steps you can take to protect yourself and address the situation responsibly:
  1. Provide Immediate Help. ...
  2. Document the Incident. ...
  3. Report the Incident. ...
  4. Don't Admit Fault. ...
  5. Consult a Premises Liability Lawyer.

Who is responsible if someone gets hurt on your property in GA?

In the state of Georgia, premises liability law states that property owners and those in control of a property are responsible for any injuries that occur on their property. This means that if you are injured on someone else's property, that person or business may be liable for your injuries.

What happens if someone gets hurt on your property and you don't have insurance?

If a contractor is injured on your property, you can become involved in a complex lawsuit. They will be pushing for you to pay for their bills so they don't lose any of their own income. A premises liability lawyer from Lytal, Reiter, Smith, Ivey & Fronrath can help protect you from this.

Will Homeowner's Insurance Cover me if Someone Gets Hurt at my House?

44 related questions found

Can someone sue you if they hurt themselves on your property?

You can sue someone if you hurt yourself on private property, but you have to be able to prove that the property owner's actions caused your injuries to win the case. If you try to sue without having facts that show negligence on the part of the property owner, you likely will lose the case.

What pays for injuries to others or damages to their property?

Liability Coverage is for accidents that are your fault. Bodily injury liability pays for bodily injury you cause someone else. Property damage liability pays for property damage you cause someone else.

What is it called when someone gets hurt on your property?

Premises Liabilty. Premises Liability in California: What You Need to Know. In California, if you are injured on someone else's property, the owner may be held responsible under the legal doctrine of premises liability. The property owner must take reasonable steps to protect visitors from foreseeable harm.

How do I sue for property damage in Georgia?

How to File a Georgia Property Damage Claim
  1. Collect Evidence. If you or a passenger is injured, call 911 and get medical attention. ...
  2. Report the Accident. Next, report the accident to local law enforcement. ...
  3. Get Your Vehicle Appraised. ...
  4. File Your Insurance Claim. ...
  5. File a Lawsuit (If Necessary)

Can a trespasser sue for injury in Georgia?

Owners are generally not liable if you are injured on private property while trespassing. However, there are exceptions to this rule and landowners may still be responsible for damages in certain situations.

Am I liable if a kid gets hurt on my property?

Under the rule of attractive nuisance, whoever owns or controls a piece of property can be liable for physical harm caused to young children, even when the children have trespassed on the property.

Does homeowners insurance cover workers on your property?

People who often hire domestic workers wonder whether their homeowner's insurance offers workers' compensation insurance. Yes, that is the simple answer to this question.

What happens if someone gets hurt on your rental property?

Landlords and property managers have a responsibility to provide a safe place, but when someone is injured on a property, seemingly no one wants to take blame. To get compensation for your medical treatment and other expenses, you may need to pursue a premises liability claim against a landlord or other entity.

How much liability insurance should a handyman have?

General liability insurance: Handymen in California must have general liability insurance with a cumulative limit of $1 million to obtain a license.

What happens if a landscaper gets hurt on your property?

In California, a property owner is responsible for most injuries that occur on his or her property. This includes injuries sustained by a contractor who has been hired to work on the property.

What to do if an employee damages your property?

Instead of deducting employee wages for damages, addressing the carelessness as a performance concern is a more appropriate response. Remember to follow your company policy regarding company assets. Disciplinary action, such as a verbal warning or work suspension may be necessary.

How much can you sue for property damage?

In short, in this situation, the most you can recover is the fair market or "actual cash" value of a damaged item (the amount you could have sold it for), figured at the time the damage occurred.

How long do I have to sue a contractor in Georgia?

Generally speaking, construction defect claims are subject to a four-year statute of limitation in Georgia. That means that in most cases a plaintiff must file a lawsuit for such claims within four years from the date that the claims could have first been pursued, which is generally the date of substantial completion.

Is property damage a felony in GA?

This is classified as a felony offense in Georgia and means a prison sentence of not less than 1 year nor more than 10 years. For interference with critical infrastructure or vital public services: the incarceration term will be not less than 2 years in prison nor more than 20 years.

What happens if a worker is injured on my property?

Many homeowners believe that they cannot be held responsible for injuries suffered by contractors working on their property. In California, if someone gets injured while working on your property, you can be held liable for their injuries and damages.

Can someone sue you if they fall in your driveway?

Legal and Financial Implications

Insurance Settlement: In many cases, the matter is resolved through the property owner's liability insurance, which covers medical expenses and, in some cases, pain and suffering. Lawsuit: If the parties cannot agree on a settlement, the injured person may file a lawsuit.

Will homeowners insurance cover a civil lawsuit?

In most cases, homeowners insurance will cover civil lawsuit legal fees if someone sues you for an incident covered by your policy. This may include attorney fees, court costs and other related expenses. Keep in mind that these fees all count toward your policy's liability limit.

What is the charge of injury to personal property?

Injury to personal property means damage or destruction of personal property caused by someone else's intentional or negligent misconduct. It could involve damage to a motor vehicle during a car crash or a cell phone during a fall on another person's hazardous property.

Does property insurance pay for damage caused to other people or their property?

Property Damage Liability: Property damage liability insurance covers repairs to another person's car or property, such as a fence or building, when you are at fault in an accident. It also will pay for the removal of debris, such as a damaged tree or signs, that occurs after an accident.

What is legally obligated to pay as damages?

Liability insurance policies generally provide that the insurer will pay on behalf of the insured “all sums” which the insured shall become “legally obligated to pay as damages” because of bodily injury or property damage to which the insurance applies.