How Do Orlando Premises Liability Claims Work?

Orlando business liability insurance

How Do Orlando Premises Liability Claims Work?

Every day customers, clients and many others interact with Orlando businesses on their property and sometimes accidents happen. Any business with a brick and mortar premises has some exposure to liability claims should a customer, client, or other third party become injured on the premises. Luckily business premises liability insurance Orlando offers the coverage most operations need to protect their assets in the event of an accident. This coverage is part of your basic Central Florida commercial insurance package.

How do these claims work?

Simply because an injury or accident occurred on your property does not automatically make your operations liable, or at least fully liable. In fact, in most cases absolute liability will not apply, which means that your operation will likely only be held accountable for some or part of the losses suffered by the injured party. Absolute liability generally occurs only when an operation has been engaged in extremely hazardous activities.

Any Orlando business open to the public is basically expected or required by law to use reasonable care to maintain their premises in a reasonably safe condition and state. This is not typically a burdensome obligation for most businesses, it simply means that they must make a reasonable effort to caution visitors to the premises of any unsafe or potentially unsafe conditions. Most liability issues revolve around the debate as to whether or not the business took the necessary steps to create a safe atmosphere for for patrons, guests, clients and other third parties.

When you are facing a liability claims against your operation, the claimant must be able to prove negligence, neglect or other willful misconduct on the part of you, your workers or your operation. Many Orlando premises liability claims hinge on the idea of negligence on the part of the business owner, such as not having proper wet floor signage, lack of safety precautions and other such errors. According to experts, claimants must show that you as the business owners owed a duty of care towards the injured party and that you breached that duty by failing to act in the best interest of that party. They must also prove that this failure to act directly resulted to the injury or loss suffered by the claimant.

These claims can happen to any Orlando business, because accidents happen anytime anywhere. If your operation faces allegations of negligence or other misconduct, it is important that you have strong liability insurance to cover the costs of legal fees, settlements, fines and more. At Newman Crane, we specialize in offering comprehensive Orlando business liability insurance solutions at affordable rates. Our Orlando Premises Liability experts can help assess your operation’s risk exposures and secure the right coverage to meet your operation’s needs. To learn more about our Orlando insurance agency and all our offerings, contact us today at (407) 859-3691.