{"id":241,"date":"2018-06-29T09:03:28","date_gmt":"2018-06-29T15:03:28","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=241"},"modified":"2018-07-16T08:07:45","modified_gmt":"2018-07-16T14:07:45","slug":"fireworks-accidents-part-2","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/fireworks-accidents-part-2\/","title":{"rendered":"Fireworks Accidents \u2013 Part 2"},"content":{"rendered":"

\"Fireworks<\/p>\n

In part one we discussed that a homeowners policy may be available to handle losses involving fireworks. However, this is not<\/p>\n

always the case as there are instances where your homeowner policy does not offer coverage.<\/p>\n

Legal Issue<\/strong><\/p>\n

If it\u2019s illegal for you to set off fireworks, this legal hurdle could result in any loss being excluded by the policy.<\/p>\n

\"Be<\/p>\n

 <\/p>\n

Business Issue<\/strong><\/p>\n

A\u00a0homeowners\u00a0policy is meant to handle losses related to owning and living in a home, there\u2019s no coverage for a person who uses their home for making, selling, storing or distributing fireworks. Any business activity involving fireworks is going to cause a big problem if a loss occurs.<\/p>\n

 <\/p>\n

Who Is Injured Issue<\/strong><\/p>\n

Injuries to yourself or others in your household are not covered because Medical Payments and Liability coverage is designed to handle loss suffered by persons outside of your household.<\/p>\n

 <\/p>\n

Intentional Loss Issue\"Fireworks<\/strong><\/p>\n

If an injury or damage to property is not an accident, there\u2019s no coverage. Tossing a firecracker or aiming a bottle rocket at another person could be considered deliberate, even when no injury was intended. Deliberate acts and their consequences are commonly excluded by\u00a0homeowners\u00a0policies.<\/p>\n

So when dealing with fireworks, make sure they\u2019re legal, that they\u2019re used carefully and only for entertainment. Then your chances are good that any loss may also be covered.<\/p>\n

 <\/p>\n

Return to Section 1<\/em><\/a><\/p>\n

COPYRIGHT: Insurance Publishing Plus, Inc. 2016\r\n\r\nAll rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.<\/pre>\n","protected":false},"excerpt":{"rendered":"
In part one we discussed that a homeowners policy may be available to handle losses involving fireworks. However, this is not always the case as there are instances where your homeowner policy does not offer coverage. Legal Issue If it\u2019s illegal for you to set off fireworks, this legal hurdle could result in any loss […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,3,99,98],"tags":[168,163,167,165,166],"class_list":["post-241","post","type-post","status-publish","format-standard","hentry","category-business-insurance","category-home-insurance","category-liability-insurance","category-renters-insurance","tag-distributing-fireworks","tag-fireworks","tag-manufacturing-fireworks","tag-selling-fireworks","tag-storing-fireworks"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t