What Is Premises Liability Coverage?

Individuals who suffer an injury or accident due to the negligence of the property owner or supervisor may be able to file a claim under that property owner’s premises liability coverage. This form of insurance provides liability coverage for property owners when someone suffers an injury or other loss due to unsafe conditions. At Gemma Law Associates, it is critical you understand what this type of coverage is and how it works to protect you if you suffer an injury on someone else’s property and a Rhode Island premises liability lawyer can help.

Premises Liability Insurance Covers Private Property Accidents

Property owners have a duty to make sure their property is safe for anyone who accesses it, and that means they must be able to fix problems or warn of them to prevent injury. In situations where they do not do that, and you can prove they knew or should have known about the risk, you may be able to file a claim against the property owner for the losses you incur. Some examples of premises liability injuries include:

• Dog bites or animal attacks
• Icy or slippery conditions
• Falling objects
• Missing or loose railings
• Unsafe platforms or surfaces
• Hidden hazards
• Swimming pool accidents

Property owners may owe you compensation for any damages you have if you are hurt as a result of accessing their property lawfully. If you are trespassing where there are clear warnings, that may limit your ability to file a claim. We encourage you to reach out to our premises liability attorney to learn more about your rights in these cases and review our results to see how we have helped people just like you.

Premises Liability Coverage Can Help with Your Losses

A person who slips and falls on a sidewalk due to the uneven surface or trips when walking through a nursing home due to the clutter on the floor may be owed compensation for their losses. These types of accidents may create numerous injuries and losses for you, including long-term consequences in many situations. You may be owed compensation such as the following after such an incident:

• Medical expense coverage: Premises liability coverage may help cover any medical expenses you have after such an incident. That includes immediate medical needs as well as any ongoing medical losses you have.
• Lost time at work: If you missed work due to your injuries, such as for medical care, you can turn to our attorneys to pursue compensation for any of the losses you have.
• Pain and suffering: Those who suffer injuries are likely to face numerous instances of pain and suffering from the time of the incident itself through the recovery process.
• Emotional distress: In situations where the event was traumatic, such as falling from heights, you may be owed compensation for the losses you have.

Expect our premises liability attorney to provide you with clarity on what your rights are in these situations. Our legal team works tirelessly to maximize your claim, ensuring you receive the fair compensation owed to you in these difficult times. Put our team first by calling us to learn more about the damages you may be able to claim.

Wrongful Death Claims and Premises Liability Coverage

In situations where a person suffers a serious injury due to the negligence of a property owner, the close family members may seek damages in the form of a wrongful death lawsuit. This process allows the estate and dependents to recover damages to reduce the negative impact the loss has on their lives. If your family member lost their life due to a property owner’s negligence, you may be able to recover damages such as:

• Funeral and burial costs
• Medical bills from the incident
• Lost wages and benefits
• Pain and suffering
• Financial losses you suffer if you were financially dependent

Wrongful death claims are complex, especially if insurance companies limit the amount of coverage they will provide to victims. In these situations, it is critical that you seek out legal assistance right away. Contact our premises liability attorney for a free consultation to learn what legal rights you have after suffering such a horrible loss.

Statute of Limitations in Premises Liability Claims in Rhode Island

Gemma Law Associates provides comprehensive support for our clients as quickly as possible. Under Rhode Island law, a victim has three years from the date of the accident to take legal action against the property owner. However, we strongly recommend not waiting that long to get the process moving for several reasons:

• The longer you wait, the harder it is to find the evidence available to substantiate your claim.
• The insurance company will use the delays to create doubt in your right to obtain premises liability coverage for your losses.
• It becomes possible for the insurance company to have other events and factors contribute to your losses, such as secondary injuries or a lack of medical care after your accident.

Seek out help from a trusted legal team as soon as possible when facing premises liability claims. With years of experience and a strong dedication to our clients, you can trust Gemma Law Associates to handle your case in a fair manner, and our FAQs provide you with the answers you need.

Avoid Just Settling with the Insurance Company

Insurance companies who hold the premises liability coverage for the property owner may approach you to settle your claim fully and quickly. That may seem like a benefit, but unless you know all of your losses, including the long-term implications of the injuries you have, and are confident in the value of your claim, you should not simply settle. Instead, work with our premises liability lawyers through a free consultation to find out if they are actually providing you with a fair settlement.

Seek Out Legal Guidance for Premises Liability Coverage

Premises liability coverage protects property owners but not always victims. At Gemma Law Associates, we take pride in working with our clients to learn how this incident has impacted their health, well-being, emotional stability, and financial future in all ways, making sure you can file a comprehensive claim. Contact our attorneys now to learn more about premises liability coverage during a free consultation.