Everyone pretty much knows what car insurance is. It works as a safety for when you injure yourself in an accident or when you act negligently and injure someone else. The premises liability insurance works in the same way. If someone gets into an accident when they are on your premises, you need to compensate them using your premises liability insurance.
If you were harmed on another person’s property, a personal injury attorney Conyers GA could help you seek compensation.
What is premises liability insurance?
A premises liability insurance covers the costs of injury claims that happen at your premises, such as a business, in exchange for the victim’s right to sue the property owner.
For example, if a guest or a customer falls on your property due to an oil spill and injures themself, your premises liability insurance can cover their medical and other costs.
Who are considered visitors on the property?
Whether the land or property owner is responsible for the injured person’s damages depends on the person’s legal status on the property. Typically, visitors are of three types: invitees, licensees, and trespassers.
- Invitees: Invitees are people who visit the property with the owner’s permission or invitation. This may include customers.
- Licensees: Licensees are people who visit the property with permission and authorization from the owner for his or her own purposes.
- Trespasser: Trespassers are people who visit the property without the owner’s permission. The owner cannot willfully injure the person.
What does a premises liability insurance cover?
Premises liability insurance covers various types of damages. It pays special attention to bodily injuries and pays for medical expenses. There are two types of insurance:
- General liability.
General liability covers the medical expenses and other damages arising from the property owner’s negligence or lack of maintenance. It covers all injuries that occur at the property due to negligence.
- Medical payments.
Medical payments coverage compensates people who acquire injuries on your property regardless of fault or negligence. If the injuries have arisen out of the operations going on in your property, you are liable for the damages. However, this usually does not apply to trespassers.
What to know if you are injured
If you have acquired injuries due to someone else’s negligence, you are entitled to compensation, and it is important to understand what premises liability insurance is. If you are nervous about dealing with insurance adjusters alone, hiring a lawyer is the best option for you.
A lawyer can speak with the insurers on your behalf and take care of the legal work while you focus on recovering.
