Slip and fall injuries can and do happen on the premises owned or controlled by business owners, small and big alike. All businesses should have general liability insurance and premise liability insurance for a commercial property and their business in general. Small and big employers and their employees are sometimes “negligent”, which basically means failing to use due care. If a business is negligent, they can and should be held liable for resulting injuries and damages to their patrons. If a business is found to be negligent by a judge or jury, their insurance carrier will pay for any verdict against the company.
Continue reading to learn about premise liability policy protection and who to call for pertinent advice and information about this topic and more.
General Liability Insurance for Small Businesses
Not only is it important to retain this kind of insurance, it is also important to obtain the right amount of coverage. Having enough coverage is necessary for proper protection for the business and to provide for full compensation for a patron injured as a result of negligence. An experienced insurance agent can provide accurate assessments for a business’s particular policy coverage needs although in general, the more coverage you have the better.
For such insurance policies, a business pays a monthly or quarterly premium for their insurance coverage. This premium promises an insurance defense attorney to fight their case, as well as a money reserve to cover any court-ordered retributions or remunerations awarded against them by a verdict or for funds to use to obtain a settlement. This is another reason supporting the importance of having enough liability coverage.
Premise Care and Maintenance
Businesses have a legal obligation to provide a safe premise for anyone invited or welcomed onto their property. It is important to properly inspect, maintain and care for their property, inside and out, so people are not injured. This means proper inspections, floor cleaning, repair, and maintenance, as well as routine snow shoveling and salting, pathway clearing, concrete repair, and much more. It would also includes reviewing and ensuring that the property meets all safety rules, codes and ordinances.
It is also their duty and legal obligation to supervise employees and staff within their business as businesses can only act through their owners, officers, agents and employees. If any of these persons were negligent and contributed to causing a person’s injuries, the business itself is held responsible under Indiana law. Thus, it is important to make sure all employees are fully aware of the importance of premises safety for any business.
Hire an Indianapolis Personal Injury Lawyer if You are Hurt in a Slip and Fall Accident
If you were recently injured in a slip and fall accident, contact a licensed Indianapolis slip and fall lawyer for professional legal advice and information. You may be entitled to legal compensation for your damages and losses.
Were you seriously injured in a slip and fall accident in Indiana? Contact the accident attorneys at Craven, Hoover, and Blazek P.C. to schedule a free consultation with an Indianapolis Indiana slip and fall lawyer, today at 317-881-2700. We are happy to discuss your case over the phone, via Zoom, at your home or in person at our office. We represent injured victims throughout the state of Indiana.
You Should Also Read: