Insurance

Can a tenant request my insurance information after an accident?

Started by quietcove42 • November 13, 2026 • 10 replies
quietcove42
quietcove42 November 13, 2026 at 4:50 AM

Long story short, a tenant slipped on ice in the shared driveway of a property I own through an LLC and hurt their wrist. Now their lawyer is asking for proof of insurance and wants to know who the policyholder is. I keep my personal name off everything for a reason. Can they actually force me to hand over the policy? Do I have to disclose the LLC members?

birchandpine
birchandpine November 13, 2026 at 5:37 AM

Tenants and their attorneys can request whatever they want. Whether you have to produce it depends on the stage. If a lawsuit has actually been filed, discovery rules in most states let them request insurance agreements because they're relevant to whether there's coverage to collect. That's a court process though, not something they can demand by letter.

nomadcache
nomadcache November 13, 2026 at 6:36 AM

Get your own counsel before you send anything. A polite letter asking for insurance is not the same as a subpoena.

nomadcache
nomadcache November 13, 2026 at 8:41 AM

Also, disclosing members of the LLC is a separate question from the insurance policy. Don't volunteer the ownership structure because they asked.

rustbelt_owl
rustbelt_owl November 13, 2026 at 8:43 AM

I went through something similar with a commercial tenant. My carrier handled the request directly. I gave the claims adjuster the letter from their attorney and let the insurer respond. The policy was in the LLC's name, and that was all that got disclosed. The member names never came up. If there's an active claim, the insurer usually wants to be the one communicating anyway, since anything you say can affect coverage.

dullpencil
dullpencil November 13, 2026 at 9:26 AM

Does the lease say anything about insurance or indemnity? That might shape who responds.

sundriedkale
sundriedkale November 13, 2026 at 9:51 AM

They can ask. You aren't obligated to answer outside of litigation or a legal process. In many states a plaintiff can't just demand the policy pre-suit. Once suit is filed, insurance disclosure is routine. Members are harder to get at unless they pierce the veil or the LLC is a party and discovery is broad. Talk to a lawyer licensed in your state.

hardpan
hardpan November 13, 2026 at 9:58 AM

One thing people forget, some states require landlords to disclose insurance info to tenants under statute, but that's usually about renters insurance or habitability, not liability after an injury. Check your jurisdiction.

birchandpine
birchandpine November 13, 2026 at 10:57 AM

Right, and answer the easy part through the carrier. If the insurer confirms coverage, the tenant's attorney often stops pushing on who owns the LLC. The fight is usually about money, not names

sundriedkale
sundriedkale November 13, 2026 at 11:34 AM

Not always. Some attorneys pull the LLC's annual report from the secretary of state and use that. Whether members show up there varies by state.

dullpencil
dullpencil November 13, 2026 at 12:54 PM

Worth noting most annual reports lisy a registered agent, not members, unless your state requires member disclosure.

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