Will homeowners provide coverage to a person injured while working at your residence?

The liability section of the homeowner's policy provides Med Pay coverage for non-insured's (coverage F) and Liability coverage (coverage E) for injury to non-insured's. Liability coverage can include their lost wages. There are a lot of exclusions that could apply and your insurer would have to determine that you were responsible (negligent) for the injury caused in order for coverage E to apply. You would not have to be responsible for coverage F to apply but an exclusion could still be applicable.//