Posted by Eric (NH) on January 16, 1999 at 11:51:43:
As to your first question, you may need at some point (if necessary) to speak to an attorney about whether this man might technically be considered your employee, if you were paying him to live there and watch the property. If that was the case, you probably should have had a worker’s comp. policy. But again, let’s not put the cart in front of the horse.
As to your second question, I would assume that your liability coverage is what is called an “occurance based” policy, which means that you only needed to heve the policy in force when the incident occured in order to be covered. However, you should check with your agent or written binder to confirm this.