In most cases, yes. Standard homeowner’s or renter’s insurance policies include personal liability coverage, which is designed for exactly this scenario. It typically covers the injured person’s medical bills, lost wages, and your legal defense costs if you are sued, up to your policy limits. Your first call after securing safety and documentation should be to your insurance provider to report the incident and begin the claims process.

Coverage generally includes any injury, illness, or condition that arises directly from your employment. This includes sudden accidents, like a fall or machinery injury, and occupational diseases that develop over time due to work conditions, such as repetitive stress injuries or respiratory illnesses from chemical exposure. It also covers fatalities. The key link is that the work activity must be a major contributing cause. Injuries occurring during work-related travel or at a required work event are usually included, while injuries from purely personal activities at work are not.

A fair settlement is money that fully covers your provable losses, not just a quick, low offer. It should account for all medical bills, lost income, property damage, and a reasonable amount for your pain and suffering. The goal is to put you back in the position you were in before the incident, as much as money can. It is not about getting rich; it’s about being made whole for the real costs and impacts you have experienced.