"Renters Insurance/Homeowners Insurance
Lost wages :
If someone is injured while on your property and that injury results in their inability to return to work, you may be found legally liable for the wages they lose as a result.
Liability coverage may help prevent you from paying out of pocket in a situation such as this."
위 언급하신 상황과 관련된 named insured (질문자분?) 의 임금 손실이 cover 가 되는지의 여부를
해당 보험회사에 문의하여 확실한 답을 구할 수 있으리라 보입니다.