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Liability

FAQs

• Who needs liability insurance? Ask yourself the following questions:
• Do you have personal assets (a home, autos, land, a business, savings)?
• Do you own a secondary residence or rent dwelling?
• Do you have a pet?
• Do you have children?
• Do you have watercraft?

Conditions that exist at your residence and your actions on and off your premises can lead to injury or damages for which you can be held legally responsible. Whether you live in the city or the country, rent or own your property; if you have assets (land, savings or car), they should be protected against lawsuits. A liability insurance policy will pay attorney fees, investigative costs and other legal expenses required to defend you in case you are sued. In addition, the policy will pay the damage award, up to the policy limits, if you are found legally liable.

Germania Farm Mutual Insurance also offers a Farmers Liability Policy which allows for coverage of farming activities. Check with your Germania agent to determine the best policy for you.

Personal Liability