We know it’s important to have sufficient liability insurance and to make sure the cottage is covered for rental, and to stick to any restrictions the insurers might apply. But, have you considered how safe your cottage is for guests to use? Are you aware of the safety issues that could put you at risk for a liability claim?
Until you get that knock on the door and open it to the unshaven delivery driver who offers a mumbled apology after he says those unwelcome words, you probably think it will never happen to you.
It happened to us.
An incident occurred at a cottage leaving a guest injured, and two years later we got that envelope. As did the owner of the property.
A million dollar insurance claim for loss of income due to an accident.
After 3 more years that case is still open and it’s due to good insurance that it hasn’t been more stressful.
