Q: I'm hosting my classmates in a woodworking class at my house to work on a project.
Should I be worried if one of them gets injured using the tools?
A:
I believe it all depends upon what your homeowners insurance policy says. Is this regular activity at your house and is the risk it poses contemplated by your insurance company?
Certainly if someone gets injured it is going to depend upon what caused the injury, whether or not the injury was foreseeable and what you did to create and or enhance the accident that occurred. If you have conditions around your home that you have known about or should know as a reasonable home owner, and assuming your guest or guests do nothing to create the danger, accident and their injuries, you certainly would have reasons to worry about especially if the exercise has inherent risks. I would call my insurance agent and ask him or her whether you have coverage and confirm the limits of your liability. If more than one person gets hurt or the injuries are so catastrophic your existing policy coverage is inadequate, consider increasing your limits.
Can this event be considered to be business related? If it is,I am certain your home owners policy contains an exclusion for commercial enterprise on the premises. Again, read your policy and or talk to your agent.
This is NOT legal advice.
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