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Recent General Liability Insurance questions

I don't understand when exactly do I need to give notice of

I don't understand when exactly do I need to give notice of leaving my apartment. My lease ended August 31st 2016 and I'm still in the unit but I want to move out beginning October.I want to make sure I'm not breaking the lease. To take into consideration:-I did not receive a written notice that I could stay,but the landlord kept accepting my rent payment (always on time by direct deposit)I had to pay for renters insurance directly to the Property Managemetn and never received any document regarding my insurance. I have been told that I need to pay again yearly insurance which I haven't done yet, because I want to move out and because I think the insurance wasn't handled correctly.The lease states the following:Absent some written agreement with Owner granting Renter additional occupancy time, Renter shall vacate the Premises at the expiration of the lease term without further notice or demand from Owner. If Tenant intends to vacate the Premises at the end of the lease, Tenant shall give Owner written notice of that fact at least 30 days before the end of the lease. Tenant shall be liable to pay all rent due through the later of : (a) the end of the lease term, or (b) 30 days from the service on the Owner of Renter's notice, or (c) the date renter vacates the Premises.(d) Expiration/Holdover/Death-NoticeRenter shall vacate the Premises upon expiration of the term of the lease without notice to vacate from Owner being required. Any holdover without Owner's consent shall be deemed a trespass and damages shall accrue at a daily charge equal to twice the pro-rated monthly Lease rent. A holdover with owner's written consent unless otherwise agreed, shall be a month-to-month tenancy subject to all covenants, and conditions of the Lease. A thirty day notice from Renter is required to terminate any such holdover tenancy. Renter's death shall not terminate any remaining rental obligation for the balance of the Lease-term but Owner, at Owner's option, may take possession of the Premises and re-rent them to mitigate any damages.In consideration of this rental, Renter shall obtain and pay for any insurance coverage necessary to protect Renter from any loss or expense due to personal injury or property damage, including but not limited to that caused by any act or omission of any party, including Owner or co-tenants, criminal act, war, riot, insurrection, fire or act of God. The amount of monetary damage caused to Owner by renter's breach of this agreement shall be deemed to be an amount equal to the amount of any loss sustained by renter by any such act or event and shall offset any claim by Renter against Owner. Tenant(s) agree to accept financial responsibility for any damage to the premises from fire or casualty caused by Tenants' negligence. Tenants agree to carry a standard renter's insurance policy.(a) Tenant(s) agree not to make any claims against Owner and will hold Owner harmless therefrom for any loss or damage to any personal property belonging to Tenant(s) or any of their guests or occupants or for any injuries to Tenant(s) or any of their guests or occupants and not to make any repairs at the expenseof Owner. Tenant(s) shall be responsible for obtaining insurance to protect against any such loss or damage.(b) Tenant(s) insurance shall contain a minimum of $300,000 General Liability Insurance.(c) Tenant(s) shall have the Owner and Rohcs Property Management Co. named as Additional Insureds.(d) Any use of Tenant(s) of the Owner's storage or garage / parking facilities shall be at the Tenant(s) risk and Owner shall not be responsible for any loss or damage.

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CalAttorney2

Attorney

Doctoral Degree

20,470 satisfied customers
I'm a contractor & my general liability just due to a

I'm a contractor & my general liability just doubled due to a construction defect lawsuit that just settled after 3 years of litigation. I shopped around for a better premium price & I found one & signed up, but just this morning when I checked my email another agent came in with a much better premium & with the same high quality "A" rated company. My question is does the 3 day right to cancel also apply with regard to insurance matters? Please advise.

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TJ, Esq.

Juris Doctor (JD)

11,254 satisfied customers
I want to open a company which will provide food delivery

I want to open a company which will provide food delivery service from different restaurants via app. The drivers will be independent contractors, which will operate their own vehicles with their own insurance. My question is, do i have to carry some type of insurance and what, for my own protection. Can i be liable if anything happens? My app will be similar to Uber Eats. I'm in Florida.Thanks!

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Albert Marmero

Juris Doctorate

366 satisfied customers
My contractor has a current policy insurance insurance that

My contractor has a current policy for liability insurance insurance that has a million dollar coverage for each occurrence. He has agreed that the workmanship is poor and needs addressing. They basically destroyed in the interior of my home, electrical, floors etc...He has broken some laws in doing so. Been legally deceptive. I have been trying to work with him but in the end he is not wanting to fix ALL the work,just part of the damages. I am well within the time frame to file a lawsuit. We live in louisiana. The contractor, who I thought was very honest, I now know he has lied about many things, perhaps false reports and fraud. With all that said, he wrote me a letter and said he has NO insurance. I confirmed the policy was up to date, but he wrote back he has no E & O coverage ? so he says, no insurance ! What is an E & O policy ? and what would it exclude if I have a claim ? Thank you..Terri

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Roger

Litigation Attorney

Doctoral Degree

33,878 satisfied customers
I want to sell online kitchen knife sets. However I'm not

I want to sell online kitchen knife sets. However I'm not sure what do I need in order not to be liable if someone cuts him/herself. Is there a Liability insurance or is there any notifications I need to write on the box or outside of the box in order for me not to be liable if someone has an incident? I already have an LLC, but I don't think this is enough.Can anyone help me?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

110,666 satisfied customers
I run a yoga studio and have general liability and

Hello,I run a yoga studio and have general liability and professional liability insurance. My landlord keeps rejecting the insurance stating:Property Insurance certificate is missing. Your current policy does not provide property coverage. A minimum $5,000 coverage including tenants betterments and improvements, sprinkler leakage, glass coverage, equipment breakdown is required.However, all insurance agents tell me that this is landlord's (owner's) responsibility and they do not offer it to leasers that do not own the property. He is threatening to charge me $25/day that I don't have it.What options do I have.

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Loren

Juris Doctor

38,816 satisfied customers
Question about HOME OWNERS insurance. Most of the insurance

This is ANOTHER question about HOME OWNERS insurance. Most of the insurance companies have similar policies with little differences so this is a generalized question…not company specific.Here we are NOT talking about property damage or some minor injury, we are asking about a very serious injury which leaves the injured man disabled for life and in a wheelchair. The homeowner has a policy with a limit of $300,000 then an umbrella policy with a limit of $1,000,000. The limits are high and we know the coverage would not go over the limit, but would the homeowner really be covered up to the $1.3 million in each episode?We are trying to understand if a homeowner's policy, in most cases, would cover the homeowner should he be FOUND LIABLE for a serious injury in 3 different cases. In each case the hired worker injures a different type individual. It might be a homeowner trying to get stairs built to his attic and the attic has rotten boards and the worker falls through and breaks his back. It could be all sorts of accidents where the homeowner was found to be at fault. Please consider each case.Now let us consider NOT a man up the street doing the work, but let us consider a man who is working for a small LLC.We hire the LLC to fix something in our house. They send one or two of their workers.The LLC does not have workers comp and is not required by law to have workers comp. Perhaps it has only like 3 employees, so workers comp is not required. In each case, the homeowner is at fault and the injury is very serious.1. First the LLC worker might seriously injure a third party …like a neighbor. The neighbor is now bound to a wheelchair for life. Would the homeowner be covered should he be found to be at fault and thus liable? Up to both limits?2. Secondly, the LLC worker might injure another worker…like accidentally pushing him and he falls thru a rotten attic floor that the homeowner neglected to mend before they climbed up there…the other worker is now bound to a wheelchair. Would the homeowner be covered should he be found to be at fault? Up to both limits?3. Thirdly, the LLC worker might injure HIMSELF, by falling thru the rotten attic for example, to never walk again. Would the homeowner be covered should he be found to be at fault? Up to both limits?

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Loren

Juris Doctor

38,816 satisfied customers
I serve on the Board of Directors nonprofit 501c3 in Denver.

I serve on the Board of Directors for a nonprofit 501c3 in Denver. The nonprofit does not fulfill it's original mission though the founder, in her nineties, is present daily. It receives some donations. I have never seen the bylaws, and the annual treasurerreports presented are obviously inaccurate (not from sinister motivations but from, I think, the founder's disinterest in record keeping) and thus I have no accurate information regarding the finances of the organization. Furthermore, the nonprofit operatesout of a building it owns on which it carries no insurance and the roof of this building is close to collapse. My question is: As a board member, what is my legal culpability if the organization is not in compliance with 501c3 regulations and, if someone wereto be injured as a result of the building, could I be successfully held liable? What are all of the potential risks I'm taking by serving on this board?

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John

Attorney

Doctoral Degree

7,714 satisfied customers
I am opening a new office in WA. I am non-resident

Hi, I am opening a new office in WA. I am non-resident alien. I want somebody to guide me on most economical way to do following( I shall be having SSN shortly as my visa is in process. I already have a EIN for the company). I have a family of four andtwo employees for the first year. Please make assumptions on how much insurance i should have. i do not have any figure in mind so i shall just be guided by you. A) take a health insurance(cost/which one to take) B) which general liability insurance to take.C) can i combine both and get a better deal

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

110,666 satisfied customers
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