Typically, the insurance policy your landlord holds only protects the building itself, and if your landlord provides household appliances, they may
not be responsible for damages caused by these appliances.
While your landlord or condo association is responsible for the structural damage incurred, the
renter is responsible for any damage that occurs to the contents and guests inside the building.
However, the at fault
party is responsible for damages in excess of this amount up to and, at times, beyond the limits of their various coverages under their insurance policies.
Generally, if a product is defective and causes an injury anyone who was involved in the process of designing, creating, or selling that product could
potentially be responsible for damages.
Delivery and Installation Leaders would
now be responsible for damage to cabinets while in transit, and were expected to obtain insurance to cover such liability.