If someone was injured in my house, could they claim?

Filan

If so would house insurance cover it?. Considering giving grinds....and just wondering whether any unscrupulous pupils could follow this avenue in the event of a mishap?

Thanks
A

TheDriver

Very dodgy ground to be honest, along with the whole thing of being left alone withthe child (if some nasty one ever wanted to make something up, its your word against theirs) and also they are coming to your home.
Its much much easier going to their homes (i know it wastes some time) but parents love it as they don't have to drive them to the grinds and you can factor in travelling costs too plus parents are at home so automatic child protection including for yourself.

Kenjd

My brother in-law does grinds but always makes sure someone is in the house with him, usual in next room!

pow wow

In general your house insurance will have an amount for Public Liability which this kind of incident would fall under. However your home insurance might also have a clause about the premises not being used for business purposes, in which case they could in theory refuse your claim on the basis it was a student paying you for tuition in your home.

UrbanFox

Possible problems ;

1. Insurers might regard this as a business type risk or activity and say that it is not something that would fall within the scope of a normal household risk and refuse the claim.

You might be better checking with the underwriters if you are required to declare this type of activity to them.

2. The liability sections of policies usually only cover accidental injury. If you are worried about allegations of injury through "hanky panky" type scenarios the insurers may well not cover it on the grounds that that is deliberate and not accidental.

3. If "working away" from your home the public liability section would probably not apply. You would only have cover under the personal liability section [if there is one in the policy] in that event but that would be subject to the same problem mentioned at 2 above.

A dodgy area in dodgy times and one in which your priority has to be self protection!!

XJR

UrbanFox wrote: »

Possible problems ;

1. Insurers might regard this as a business type risk or activity and say that it is not something that would fall within the scope of a normal household risk and refuse the claim.

You might be better checking with the underwriters if you are required to declare this type of activity to them.

2. The liability sections of policies usually only cover accidental injury. If you are worried about allegations of injury through "hanky panky" type scenarios the insurers may well not cover it on the grounds that that is deliberate and not accidental.

3. If "working away" from your home the public liability section would probably not apply. You would only have cover under the personal liability section [if there is one in the policy] in that event but that would be subject to the same problem mentioned at 2 above.

A dodgy area in dodgy times and one in which your priority has to be self protection!!

Agree most of the above. However in regard to part 1 you may well be able to cover this type of "casual" workign from home for a relatively small additional cost. I'd be surprised if it was more than 25% and probably less.

The "hanky panky" issue (I like the euphemism) will definitely not be covered by your house insurance.

As pointed out in part 3 if you work away from home and don't have callers then the public liability clause of your house insurance does not cover you.

As an additional point give your insurers a call and ask them. They get this type of question all the time and it won't cause you any problems, unless of course you don't take out the cover then go ahead and try make a claim.

Rosser

Ring your insurer tell them you want to extend your public liability to cover occasional business vistiors i.e. grinds. They'll ask to how many kids you'll have during the week and then endorse your policy accordingly, probably will cost no more than €50 at most and many insurers will do less than 10 visitors for free....simple as that