A trip on a bad part of your sidewalk or even your dog getting loose and biting someone may be covered depending on some circumstances. This coverage isn’t a very expensive part of your policy. Many people actually don’t know it but the amount of coverage can be increased from $100,000 to $500,000 for a surprisingly small amount of money.
Coverage for Commercial Property
The business owner is also given the option to increase their coverage amount for their liability and they also have an obligation to keep their premises in a safe condition due to the amount of public traffic that the business encourages with their advertising. If the premises are not kept safe, injuries can occur.
Many businesses are cutting corners and they may be aware of certain problems that need fixing like repairing the sidewalk, keeping up with codes requiring ramps in certain areas, and installing handrails by stairs. In some older buildings in New York elevators and escalators must be continually maintained for their customers’ safety.
The more important area of fire prevention in restaurants and proper sprinkler maintenance all fall under the general upkeep necessary to keep a premises safe. Proper inspections by apartment owners to make sure no lead paint is present in their premises also falls into this category.
When an injury occurs these policies may protect the homeowner and the business owner but they are not to allow any problem to go unfixed because of this protection. When someone is injured on a business or personal property Premises Liability Attorney will be needed to thoroughly analyze the injuries sustained and what should have been done to keep the premises safe so this would not have happened.
