Premises Liability can simply be defined as the legal responsibility of the property/building owner/tenant to exercise ordinary care to protect a “reasonable” party from bodily injury and/or property damage while on premises.

Premises Liability is inclusive of inside/outside building areas such as common areas, sidewalks, parking lots, grounds, stairs, ramps, etc.

Based on potential financial loss and to provide a successful risk control program, a client needs to perform a risk assessment for all applicable Premises Liability exposures and hazards.

Exposures to the public can include:

• Slips, Trips, and Falls
• Struck/hit
• Burns
• Cuts
• Food borne illness

Hazards to the public can include:

• Slippery/wet/greasy floors
• Uneven walking surfaces
• Chuckholes/potholes
• Broken/sharp beverage containers and plates
• Inadequately prepared and unprotected served food and beverage items
• Inadequate lighting