I am newly single, affluent and sexually active. I hold read all kind of stories about bitter women suing men after a relationship for contracting an STD whether it be true or not. Will an excess liability policy cover me from such lawsuits and claims? Will the insurance company pedal any legal expense or settlements? Only professional answers please.
Answers: Most homeowners liability & excess liability (liability after your homeowners or auto liability is exhausted) policies exclude communicable diseases. They MAY provide defense, but unlikely. I do not know if this type of coverage is available. You may want to check near an independent agent to see if they can go to their surplus lines open market & maybe find something near a company like Lloyds of London.
NO.
See, an "excess" policy, medium additional edges over your primary policy, and every homeowners policy excludes coverage for diseases - sexually transmitted, or otherwise. So that excess coverage won't cover it, either, as it's excluded contained by the underlying policy.
If you want to practice high risk behaviors, you take those risks. You don't bring any sympathy from me.
Condoms cost less than insurance.
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Answers: Most homeowners liability & excess liability (liability after your homeowners or auto liability is exhausted) policies exclude communicable diseases. They MAY provide defense, but unlikely. I do not know if this type of coverage is available. You may want to check near an independent agent to see if they can go to their surplus lines open market & maybe find something near a company like Lloyds of London.
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NO.
See, an "excess" policy, medium additional edges over your primary policy, and every homeowners policy excludes coverage for diseases - sexually transmitted, or otherwise. So that excess coverage won't cover it, either, as it's excluded contained by the underlying policy.
If you want to practice high risk behaviors, you take those risks. You don't bring any sympathy from me.
How do you directory a claim for despoil done to your property by someone else's contractor?
Condoms cost less than insurance.
Resolved Questions: