With the rise of online shopping and food delivery services, it’s not uncommon to have drivers frequently coming to your front door. But what happens if a delivery driver slips and falls on your property? Could you be held responsible? At Hermes Insurance Solutions in Sanger, TX, we often hear this question from homeowners concerned about liability. The answer depends on the circumstances, but in many cases, you could be sued if negligence is involved.
Understanding Your Liability as a Homeowner
As a homeowner, you have a legal duty to maintain a reasonably safe environment for visitors, including delivery drivers. This means keeping walkways clear, repairing hazards, and ensuring proper lighting. If a driver slips on an icy sidewalk, trips over an uneven pathway, or falls due to cluttered steps, they might have grounds to file a claim against you.
When Might You Be Liable?
Liability often depends on whether you were aware of a hazard and failed to address it in a reasonable amount of time. For example, if it recently snowed and you neglected to clear your walkway, or if a broken step had been an issue for months, you could be held responsible for any injuries. On the other hand, if the driver was acting carelessly or the hazard was unforeseeable, you may not be liable.
How Home Insurance Can Assist
A standard homeowners insurance policy typically includes liability coverage, which can help cover legal fees and medical expenses if someone is injured on your property. If you’re unsure about your coverage, Hermes Insurance Solutions in Sanger, TX, can help you review your policy and ensure you’re protected. Contact us today to learn more about safeguarding your home.
