What is premises liability insurance? Premises liability insurance is similar to other liability insurance policies that pay for damages caused by the policy holder. By issuing the policy, the insurance company agrees to pay legitimate insurance claims for covered risks. Premises liability insurance is not that different from auto insurance. If you get hit by another driver who has auto liability insurance, that driver’s auto insurance pays for your injuries and property damage, with some … [Read more...]
After You Fall: Why the Premises Liability Definition Matters
Have you recently eaten dinner at a restaurant? What would happen if you had fallen in the parking lot afterward? The California premises liability definition explains who would have been responsible for your fall and for paying for your injuries. Imagine your evening had ended like this: While you ate dinner, the sky became dark. As you left the restaurant and entered the attached parking lot, you realized it was hard to see. There was no moon, and an overhead parking lot light was out. That … [Read more...]
Are Spilled Milk and a Torn ACL Elements of a Premises Liability Case?
An aspiring dancer walked into a store and slipped on some milk. That sounds like the beginning of a bad joke, but it’s actually the beginning of a premises liability case. Anna’s story illustrates what happens when all four elements of a premises liability case exist. What is a premises liability claim? A premises liability claim is a request by an accident victim to be compensated for injuries occurring on someone’s property. “Premises” refers to a place such as a business or home. “Liability” … [Read more...]