Premises Liability

Posted on: January 3rd, 2014

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

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