Babysitting, house sitting, pet sitting, lawn care and many other summer jobs await millions of ambitious American teens.
As a relative who resides with you, your teen is normally covered by your homeowners and auto insurance policies for claims of liability resulting from bodily injury, property damage and possibly claims of “personal injury” (examples include libel, slander and violation of privacy).
However, some home and auto insurance policies limit or restrict coverage for liability claims resulting from paid activities. Once you know the nature of your teen’s summer job, contact your insurance agent. Your agent can review your coverage with you to make sure you don’t have hidden financial risk. Further, if the policies exclude coverage for your teen’s paid activities, your agent can review other insurance options that may be available.
