August 2nd by Asero Insurance Staff 0 0One sure-fire way for a business to get sued is if a visitor – a customer, vendor or anyone else – injures themselves while on your premises. While you may already do all you can to keep employees and customers safe, you are likely still exposed to being sued if someone injures themselves in one of your facilities. Alhough the most common situation that comes to mind is the slip and fall accident, your liability for injuries sustained on your property extends far beyond such injuries. What you need to know It doesn’t matter if you own your building or rent an office as once someone steps inside, you have a duty to makes sure they are safe. Someone who injures themselves in an office that is rented will likely go after both the landlord and the tenant (you), but if they are in your offices, you will likely be the main defendant. Also, many landlords have clauses in their contract that require tenants to assume full responsibility for maintaining safety in the areas they rent. Besides someone slipping and falling on your premises, there is a host of other liability risks that you may face, including:
- A visitor or an employee assaulting another visitor.
- A visitor being injured by machinery or equipment.
- Hazardous material that is seeping from your grounds into adjacent property or making neighbors sick.
- You knew a dangerous condition existed, or could exist.
- You had a reasonable amount of time to repair the danger, but failed to do so.
- The dangerous condition was the direct and proximate cause of their injuries.
- They didn’t know the condition existed, or if they did, couldn’t avoid it.
- Their reckless conduct didn’t contribute to the injury.
- They didn’t agree to assume the risk or indemnify the owner from injuries.