What Businesses Should Know About Premises Liability
Premises liability is a legal concept that generally applies to personal injury cases where the injury was caused by an unsafe or defective condition on someone’s property. Premises liability impacts businesses that own business property and, are therefore, legally responsible for the safety of guests to that property.
Whether you conduct a business out of your home or at a business property, your premises poses some level of potential for accident or injury. The level of danger faced by guests varies based on the property location and the nature of the property. Premises liability case include a wide range of scenarios. Personal injury cases that can be classified as premises liability cases include but are not limited to:
- Slip and fall cases
- Snow and ice accidents
- Inadequate maintenance of the premises
- Defective conditions of the premises
- Inadequate building security that leads to injury or assault
- Fires
- Toxic fumes/chemicals
In short, if an injury occurs on your business’s property and it can be proven that the injury occurred as a result of negligence on your part, you could be held liable for damages. Premises liability insurance, typically part of a commercial general liability policy, is your first line of defense. Additionally, be sure to review your business liability insurance periodically. As your business grows, consider increasing your commercial liability coverage.
Do you have the commercial insurance you need to protect your business? Make sure you do by contacting the experts at Nahai Insurance Services. We can assess your unique business and its unique risks, then craft you the right property coverage so you can have the protection you need at the premiums you deserve.