What Happens if Someone is Injured on My Property?
In Canada, homeowners and renters have a duty to maintain their properties in a safe condition, free of hazards. If an unsafe condition on the property causes an accident and injures someone, that person might be entitled to seek compensation.
Some examples of unsafe conditions include:
- Falling objects
- Slip or trip and fall accidents
- Broken walkways or stairs
- Standing water
- Icy or snowy sidewalks
- Hazards hidden by overgrown grass or bushes
- Loose or missing handrails
- Uneven flooring or rugs
- Poor lighting
Renters, such as apartment tenants, are usually responsible for conditions within their leased premises. If an injury occurs within the leased space due to unsafe conditions, the tenant may be held liable instead of the landlord.
On the other hand, landlords are typically responsible for unsafe conditions in common areas like stairways, hallways, and parking lots.
What is premises liability in Canada?
Premises liability insurance covers property owners or renters for incidents resulting from a failure to maintain their property, regardless of your personal involvement.
In cases of personal injury, such as slip and fall accidents or dog bites, premises liability insurance covers the medical bills of the injured party. It also provides monetary compensation for lost wages if the injured person is unable to work due to the injury.
If the injured party decides to file a personal injury lawsuit, the premises liability coverage helps in covering the legal costs such as attorney fees, court costs and settlements.
Is premises liability included in my home insurance?
Yes, premises liability coverage is typically included as part of a standard home insurance policy.
What is the difference between premises liability and personal liability?
Premises liability claims refer to unsafe conditions on someone’s property, while personal liability concerns unsafe action of an individual, whether deliberate or negligent.
Western Financial Group insurance experts are available now in branch or on the phone to help you navigate the home insurance journey that will give you the right policy to protect yourself, your home and car, and your family.
