Do All Aircraft Owners Need Premises Liability Insurance?

As an aircraft owner or aviation industry professional, have you deemed premises liability insurance essential for yourself and/or your business? Owning and operating a plane necessitates unique considerations when it comes to acquiring the best coverage in case of injuries on your property. So, do all aircraft owners need premises liability insurance? This article will explore why such liability insurance policies are crucial for all airplane owners and understand what they entail. Having these assurances will provide immense peace of mind so that you can rest assured knowing that there is ample protection available whatever situation arises. If you find yourself in a bind involving premises liability coverage, get in touch with the attorneys from Jared Spingarn’s law firm in Hollywood, Florida, as soon as possible.

Different Types of Aircraft Owners

There are various types of aircraft owners, each with unique considerations and requiring different kinds of coverage.

1. Private Aircraft Owners

Private aircraft owners are individuals who own an aircraft and keep it on their property. their aircraft are only flown for private purposes.

2. General Aviation Aircraft Owners

General aviation aircraft owners are those who own an aircraft for recreational purposes or to commute short distances.

3. Business Aircraft Owners

Business aircraft owners are companies or organizations that own an aircraft for business purposes. The use of the plane may vary from short-haul trips to long-distance flights.

4. Professional Aircraft Owners

Professional aircraft owners are individuals who provide services related to aviation, such as flight training, charter services, aerial photography, and more.

Federal Aviation Administration Regulations

Federal Aviation Administration Regulations

The Federal Aviation Administration (FAA) imposes strict requirements for aircraft and their owners. These guidelines are in place for the safety of crew and passengers as well as to protect aircraft owners from legal action.

  • Keeping your aircraft in impeccable condition- the FAA enforces regular inspections to meet safety standards.
  • Operating your plane safely- pilots must take all necessary precautions, follow standard operating procedures, and adhere to guidelines when flying or carrying passengers.
  • Adequately training staff for aviation operations- crew members must be competent and adequately trained in order to operate the aircraft safely.
  • Adhering to procedures for reporting accidents or incidents- any incident, including injury or property damage, must be reported with all necessary documentation within a certain timeline as per FAA regulations.

Aircraft Financial Responsibility Requirements in Hollywood, Florida

The FAA imposes financial responsibility requirements wherein aircraft owners must prove they have adequate financial resources to cover property damage, bodily injury, or death liabilities if an accident occurs. This shows how important it is for aircraft owners to have adequate protection in place.

It is important also to be aware that liability and aviation insurance policy requirements may vary depending on the aircraft being operated. Here are some examples of insurance requirements for aircraft owners in Hollywood, Florida:

  • Single-engine aircraft must be insured up to a minimum liability limit of $100,000 per passenger.
  • Twin-engine aircraft must have a minimum liability limit of $500,000 per passenger.
  • An aircraft with three or more engines must have a minimum liability limit of $1 million per passenger.

Failure to comply with these regulations can result in a severe penalty, including the suspension or revocation of your pilot’s license and/or aircraft registration.

Types of Liabilities Associated with Owning an Aircraft

Aircraft owners have liabilities that include bodily injury, property damage, and product liability.

Bodily Injury

Bodily injury can occur when someone is injured as a result of an accident involving the aircraft or the use of its components.

Property Damage

Property damage occurs when physical structures, land, or other items are damaged due to aircraft negligence.

Product Liability

Product liability refers to claims made against the aircraft itself or any of its components, such as engines and avionics.

These liabilities can have serious consequences if not properly addressed, so aircraft owners need to have the appropriate insurance coverage in place.

What is premises liability insurance?

Premises liability insurance provides coverage for incidents that take place on an aircraft owner’s property or in their plane. This includes accidents caused by the negligence of the aircraft owners or their employees. Airport owners may also be required to carry premises liability insurance as it is a condition of their lease agreement with the FAA.

Premises Liability Coverage

The coverage provided by premises liability insurance includes:

  • Slip and fall accidents on the premises
  • Damage or injury caused by a mechanical malfunction of the aircraft
  • Injuries and property damage caused by hazardous materials
  • Claims associated with improper maintenance of the aircraft or premises.
  • Injuries caused by the aircraft or its components

The Importance of Premises Liability Insurance for Aircraft Owners

The importance of premises liability insurance for aircraft owners cannot be overstated. This type of coverage helps to protect aircraft owners from the potential financial burdens associated with accidents that may occur on their property or as a result of their use of the aircraft or its components. With this coverage in place, aircraft owners can rest assured, knowing that they have the financial protection they need in the event of an incident. Furthermore, it is a requirement for many airports and regulated by the FAA, so aircraft owners must ensure that they have adequate premises liability insurance to stay compliant with all applicable regulations.

Those operating charter services or providing flight training are also required to carry sufficient premises liability insurance. This helps protect their clients in case of an accident and ensures that the charter or flight school complies with all applicable regulations.

Various Levels of Coverage Available to Protect your Assets

Aircraft owners can choose from a variety of different levels of coverage to meet their specific needs and budget. The coverage will depend on factors such as the type of aircraft, operating costs, and the number of passengers the plane is expected to transport. Most policies provide liability protection up to $1 million per occurrence but some may offer higher limits as an option. Insurance brokers can help aircraft owners determine the best coverage for their specific situation.

Aircraft Liability Insurance Requirements in Hollywood, Florida

Aircraft Liability Insurance Requirements in Hollywood, Florida

In Hollywood, Florida, aircraft ownership requires liability insurance to register with the Florida Department of Transportation. The minimum liability insurance requirement for this type of coverage is $100,000 per passenger and must be purchased from a qualified provider.

If you are flying internationally, it is important to check with the applicable country’s regulations to determine the required coverage type. Most countries require additional liability insurance for international operations.

General Liability Insurance for Business Aviation Operations

Business aviation operations are required to purchase general liability insurance, which covers property damage and bodily injury incurred by third parties as a result of business activities. This type of coverage is typically purchased in conjunction with other forms of insurance.

Additional Types of Insurance for Aircraft Owners

In addition to the mandatory liability coverage, aircraft owners can purchase additional types of insurance such as hull and cargo coverage, non-owned aircraft liability, international liability, and medical payments. These are all optional but may be beneficial depending on the individual’s specific needs.

Hull and Cargo Insurance Coverage

This type of coverage protects the aircraft from damage or loss due to an accident. It also covers any cargo that is stored inside the plane during transportation.

Non-owned Aircraft Insurance Coverage

This coverage is designed to protect an aircraft owner if a non-owned aircraft causes damage or injury. It covers any legal costs associated with defending against claims and any resulting damages and/or medical bills.

International Liability Insurance Coverage

This type of coverage protects aircraft owners who are operating internationally. It covers legal and medical expenses in the event of an accident occurring outside of the United States.

Medical Payments Coverage

This type of insurance covers medical costs for passengers injured on board an aircraft, regardless of fault. It is highly recommended for those who fly their own plane to cover such costs should an accident occur.

Comprehensive Aviation Insurance Solutions

Aircraft owners can also purchase additional coverage for items such as workers’ compensation, life insurance for pilots, and a host of other aviation-related incidents.

Public Liability Coverage

This protects aircraft owners in the event of an accident involving third parties. It can cover loss or damage to property, personal injury, and legal fees.

Passenger Liability Insurance

Passenger Liability Insurance

This protects aircraft owners if a passenger is injured or killed on board their plane.

Crew Coverage

This protects aircraft owners if a pilot or crew member is injured while on board their plane.

Do I need a lawyer?

It is recommended that aircraft owners consult with a lawyer from the Jared Spingarn law firm to determine the best course of action when purchasing premises liability and aviation insurance. A lawyer can advise on what type and amount of coverage are necessary as well as any possible legal issues associated with obtaining such coverage.


Do all aircraft owners need premises liability insurance? Yes, all aircraft owners need premises liability insurance. This coverage helps protect the aircraft owner from property damage and bodily injury incurred by third parties as a result of business activities. In addition to premises liability insurance, aircraft owners can also purchase additional types of coverage. At the same time, it is recommended that aircraft owners consult with a lawyer to determine what is the best type and insurance coverage for their specific needs.

>> If you’re involved in an aircraft accident in Florida, don’t hesitate to reach out to Jared Spingarn, Accident Attorney, at 1-954-781-2316 for a Free Case Review or drop a message on their Contact Us page.

How To File A Premises Liability Claim In My Area?

Have you been injured in an accident on someone else’s property? You may be worrying about coping with the physical and financial costs associated with your injury. In Hollywood, Florida, a premises liability claim could be the answer to recovering compensation for those losses. It’s important to know how to file a premises liability claim so you can seek compensation after an accident.

When filing a claim, it is important to understand how these cases work—what evidence you need to prove fault, what types of damages can be recovered, and who is liable in such cases. You should also consult an experienced personal injury attorney who understands the ins and outs of premises liability. Schedule a free consultation with Jared Spingarn’s law firm in Hollywood, Florida, as soon as possible after an accident.

Premises Liability Claims

Premises liability claims are based on the legal doctrine of negligence. To prove negligence, you must demonstrate that the property owners or occupant had a duty of care toward you, breached it, and caused your injury as a result.

Premises Liability Claims

The type of duty owed depends on the relationship between the injured person and the premises owner or occupant. This relationship is categorized in one of three ways:

  • Invitee—someone invited onto the property for business or commercial purposes.
  • Licensee—someone on the property without an invitation for recreational, social, or other non-business purposes.
  • Trespasser—someone on the premises without permission.

In addition to these three are children, who must be provided with a greater duty of care regardless of their status.

Proving Liability in a Premises Liability Accident

If the property owner or occupant does not uphold their legally required duty of care, they may be liable for any injuries. Liability can come in two forms—direct and vicarious.

Direct liability means that the owner or occupant knew (or should have known) about a dangerous condition on their premises and failed to take action to mitigate it. Vicarious liability means that another party, such as a contractor or employee, caused the injury—but the owner or occupant is still liable because they failed to exercise reasonable care in hiring or training that person. In either case, you must be able to demonstrate that the property owners or occupants are at fault to hold them liable for your damages.

Comparative Fault in a Premises Liability Case in Hollywood, Florida

Getting injured on someone else’s property does not guarantee you full and fair compensation. In Hollywood, Florida, comparative fault applies to premises liability cases. This means that if you are partially responsible for your injury—even by just one percent—your damages will be reduced accordingly.

For example, if you unintentionally slip and fall on a wet store floor due to the absence of a “Wet Floor” sign, then it’s possible that the court would assign some percentage of fault to you for not being more mindful while walking. Consequently, this could reduce your damages in such cases.

Common Injuries in a Premises Liability Case

The most common injuries in premises liability cases include the following:

  • Slip-and-fall accidents: these can result in broken bones, spinal cord injuries, muscle sprains and strains, and even traumatic brain injuries.
  • Negligent security resulting in assault: this includes any injuries or harm resulting from inadequate security measures on a property.
  • Dog bite/animal attacks: any bite from an animal can cause serious injury, infection, and psychological trauma.
  • Swimming pool accidents: these can include drowning, near-drowning, or other injuries caused by defective pool equipment or lack of safety signs.
  • Hazardous conditions: injuries resulting from dangerous conditions such as falling objects, exposed wires, or hazardous chemicals.
  • Scaffolding collapses: this type of accident can result in severe, life-threatening injuries.
  • Fires/explosions caused by neglect: these accidents can be caused by inadequate or non-existent fire safety measures and can result in burns, smoke inhalation injuries, and even death.

Evidence Needed to Prove your Premises Liability Injuries

To prove that you were injured due to the negligence of a property owner or occupant, you must be able to provide evidence. This will typically include the following:

Evidence Needed to Prove your Premises Liability Injuries

  • Photographs or videos of the property showing any hazardous conditions that may have caused your injury.
  • Witness testimony from anyone who saw you get injured on the premises.
  • Medical records documenting your injuries and treatment.
  • Documentation of any financial losses you suffered due to the injury, such as lost wages or medical bills.
  • Expert testimony regarding the standard of care that was expected from the property owner or occupant.

It’s important to note that premises liability cases can be complex, and it is essential to have the help of an experienced attorney, whether you are the plaintiff or the defendant in the case. Get in touch with the knowledgeable premises liability lawyers from the Law Offices of Jared Spingarn to seek legal representation immediately.

Compensation in a Premises Liability Case

If you can prove that a property owner or occupant’s negligence caused your injury, then you may be entitled to compensation for economic, non-economic, and punitive damages. In Hollywood, Florida, there is no cap on how much you can recover in a premises liability case. However, the amount of damages awarded will depend on the facts of your case and the severity of your injuries.

Economic Damages

Economic damages are those that reimburse you for any financial costs associated with the injury, such as medical bills, lost wages, and future medical expenses.

Non-Economic Damages

Non-economic damages are designed to compensate for the physical and emotional pain and suffering caused by the injury. They can include loss of quality of life, mental anguish, emotional distress, and loss of companionship.

Punitive Damages

Punitive damages are designed to punish the at-fault party and deter them from engaging in similar negligent behavior. These are typically awarded in cases where the property owner’s or occupant’s negligence was particularly egregious.

Filing a Premises Liability Claim in Hollywood, Florida

To get the compensation you deserve, here are the important steps you should take in filing a claim. Note that these are just the basic steps that should be taken when filing a premises liability claim in your area. Depending on the specific details of your case, you may need to take additional steps.

Filing a Premises Liability Claim in Hollywood, Florida

Step 1: Seek Medical Attention

The first thing you should do if you are injured on someone else’s property is to seek medical attention. Even if your injuries seem minor, it is still important to have a doctor examine you to make sure there are no underlying issues.

Step 2: Document the Scene

If possible, take pictures or videos of the scene where your injury occurred. This will help provide evidence of any hazardous conditions that may have caused your injury.

Step 3: Collect Evidence About the Incident

This includes eyewitness accounts, medical records demonstrating your injuries and their severity, police reports, repair bills for damaged property, and other related documents.

Step 4: Document Your Losses and Expenses

You should also keep track of any financial losses you suffered due to the injury, such as lost wages or medical bills. This will help determine how much compensation you may be entitled to when filing a premises liability claim.

Step 5: Contact Jared Spingarn, an Attorney Experienced in Premises Liability Claims

Filing a premises liability claim can be complicated. You must retain the services of a lawyer from Jared Spingarn’s law firm who has years of experience in personal injury cases. They will explain your rights and guide you through the legal process. They will handle all the paperwork, negotiations, and litigation to help you receive the total amount of compensation you deserve.

Step 6: File a Claim with the Property Owner or Their Insurance Company

Once you have gathered all the necessary evidence, your attorney will file a claim with the property owner or their insurance company.

Step 7: Negotiate a Settlement or Take Your Case to Court

Your attorney will work to negotiate a fair and just settlement for your case. If the insurance company doesn’t budge on the settlement amount, you may have to take your case to court.

If the property owner or occupant was grossly negligent in maintaining the premises and that negligence caused your injuries, then you may have a valid legal case against them. Your attorney can help determine if taking legal action is the right course for you.

It is also important to note that premises liability lawsuits should be filed immediately after the injury occurs. This is because there are time limits known as Florida’s statute of limitations that govern how long you have to file a lawsuit in your state. The statute states that you must file a lawsuit within four years of the date the personal injury occurred. If you miss this deadline, it could severely limit or even prevent you from recovering any compensation for your losses.


To fully secure your rights and ensure you receive a just settlement, it is crucial to understand how to file a premises liability claim. With the help of an experienced personal injury lawyer from Jared’s law firm, you can be sure that you are taking all the necessary steps to protect your rights. Moreover, you stand a strong chance of recovering the compensation owed to you– giving yourself peace of mind amidst a tough situation.

>> If you’re involved in a premises liability case in Florida, don’t hesitate to reach out to Jared Spingarn, Accident Attorney, at 1-954-781-2316 for a Free Case Review or drop a message on their Contact Us page.

What Does Premises Liability Cover In Personal Injuries?

You have probably heard of accidents occurring on someone else’s property, where victims get caught up in claims and lawsuits. This is something called premises liability. But, what does premises liability cover in personal injuries?

In a nutshell, premises liability law is a critical tool in the legal system, addressing who must take responsibility for any harm that happens to visitors on someone else’s property. This set of laws protects people from injuries and clarifies when landowners should not be held accountable for incidents occurring on their premises. This article will discuss the meaning of premises liability and how it applies to personal injury cases. It will also discuss why you need an experienced personal injury attorney by your side from the Law Offices of Jared Spingarn in Hollywood, Florida.

What is premises liability?

Essentially, premises liability holds the property owner accountable for any injuries or deaths that occur on their premises. This type of law applies to residential and commercial properties, public parks, and government entities.

The premise behind this kind of law is that landowners should ensure that anyone visiting their property is safe, as the owner may be held liable if they fail to ensure this safety. Sometimes, this law will extend to the responsibility of tenants or other people who are legally responsible for a property’s upkeep, such as landlords or shop owners. In some cases, even manufacturers may be considered accountable in certain product liability cases.

Straightforward Premises Liability Cases

These cases typically involve a straightforward, direct relationship between the property owner/manager and the injured party. The injured person must prove that the property or its occupants failed to provide reasonable care under the circumstances. Most straightforward premises liability cases may include the following:

Straightforward Premises Liability Cases

  • Slip and fall accidents due to wet floors or sidewalks
  • Failure to maintain the floors and sidewalks of the property, leading to something called ice accidents/inadequate maintenance of the commercial or residential property
  • Dog bites due to a landlord’s failure to prevent their tenant’s dog from escaping
  • Toxic mold in a rental unit that causes illness
  • Swimming pool injuries caused by lack of fencing or supervision
  • Elevator and escalator accidents due to malfunctioning machinery.
  • Uneven steps, railings, and other structural defects on a property

Complex Premises Liability Cases

Sometimes, the issue of liability gets more complicated, requiring a deeper review of the circumstances and potential plaintiffs. This can occur in cases involving less obvious conditions or when multiple parties may be involved in an accident. Some examples of a complex premises liability case might include the following:

  • Medical malpractice in a hospital or healthcare facility
  • Injuries caused by defective products or equipment on the property
  • Injuries from inadequate security that leads to an attack
  • Injuries caused by incorrect instructions or warnings on a product
  • Injuries sustained while using recreational equipment
  • An injury caused by hazardous materials stored on the property.
  • Accidents due to inadequate warnings about dangerous conditions
  • Injuries from workplace accidents in a commercial setting

What must be proven in a premises liability case?

Before you can recover damages related to your injury, you must prove that the landowner was negligent in taking reasonable steps to make their land safe for visitors. This requires demonstrating that the injury was foreseeable and that the owner’s negligence is the one that caused or contributed to it.

You will also need to show that you had a legal right to be present on the property at the time of your injury, such as being a guest or a tenant. Additionally, you must be able to prove that the injury was caused by an unsafe or defective condition on the property.

In some cases, comparative negligence may also come into play. This means that if you were in any way responsible for your accident, any damages awarded will be reduced by your percentage of fault.

Cases When Landowners are Not Liable

At times, landowners may not be held responsible for injuries that take place on their property. In these cases, the injured person may not be able to recover damages from the landowner. These include cases when:

  • The injured person was trespassing or had no legal right to be on the property
  • The injured person assumed the risk of their own injury, such as by not using safety equipment while engaging in a risky activity
  • The landowner gave adequate warnings about the potential risks and dangers
  • The injury was caused by an act of God, such as a flash flood or an earthquake
  • The injury was caused by a third party unconnected to the landowner

Who needs a premises liability policy

Who needs a premises liability policy?

Property owners should consider purchasing premises liability insurance to protect them from unexpected damages related to their property. This can include a business owner, homeowner, apartment landlord, and even a local government entity. No matter who you are, if you own or operate a property that is open to the public or visitors, it is important to be aware of the risks and have the right coverage in place.

Premises Liability Insurance Coverage

Having the right insurance in place can help protect you from financial losses related to an unexpected accident or injury. Premises liability insurance coverage covers a variety of incidents, including:

  • Bodily injury to visitors, customers, or tenants due to an unsafe condition on the property
  • Property damage caused by visitors, customers, or tenants
  • Medical expenses for those injured on the property
  • Legal fees associated with defending against premises liability claims.

What is the difference between premises liability and general liability insurance?

Premises liability insurance specifically covers injuries or other damages that occur on the property. On the other hand, general liability insurance is broader and covers third-party claims related to bodily injury, personal injury, advertising damage, product liability, reputational harm, and more outside of the actual premises. Both types of coverage are important for protecting your assets from unforeseen legal costs and damages.

How to file a premises liability claim?

Premises liability claims are often handled through the insurance company of the property owner. If you are injured on someone else’s property, you should report your injury to the owner as soon as possible.

You will then need to file an insurance claim with your insurer detailing the incident, any medical costs or other damages associated with it, and any supporting documents. Your claim will then be investigated to determine if the owner is liable for your injuries. If they are found to be negligent, you may receive compensation.

How to avoid premises liability?

The best way to avoid premises liability is to keep your property safe and free from any conditions that could cause harm to visitors, customers, or tenants. Here are some tips for reducing the risk of injury:

  • Regularly inspect the property and make necessary repairs.
  • Clearly mark potential hazards, such as wet floors or uneven surfaces.
  • Install safety features, such as handrails and lighting.
  • Offer any necessary warnings or instructions to visitors.
  • Provide adequate training to employees on proper safety procedures, and more.

By taking the right precautions, you can minimize your liability risk and help protect yourself from unexpected losses related to premises liability claims. It is also important to check your premises liability coverage regularly to make sure it is adequate and up-to-date.

Obtaining Multiple Monetary Remunerations

Obtaining Multiple Monetary Remunerations

Securing multiple remunerations from premises liability claims can be a lengthy and complicated process. But do not get discouraged. Be patient and persistent and never settle for less than what you deserve. Keep in mind that you may be eligible to receive money for personal injury that occurred, medical bills that must be paid, pain and suffering, lost wages, and even mental anguish. You may even receive punitive damages if a wrongful death occurs.

Get Legal Support from the Law Offices of Jared Spingarn in Hollywood, Florida

When dealing with a premises liability claim, consulting an experienced personal injury attorney from the team of Jared Springarn is the best course of action. They offer free consultations to review the details of your case and figure out the most effective approach moving forward. They can handle the stress of paperwork, negotiate with insurance companies, and represent you in court if necessary. By working together with them you have a greater chance of getting the appropriate monetary compensation for any damages you incurred due to this incident.


Knowing what does premises liability cover, and how to avoid it is essential for all homeowners, landlords, government entities, and companies. Additionally, having the right insurance plan in place can give you the safety net you need while also covering any costs associated with unexpected accidents or injuries.

While insurance coverage is an important starting point, it can’t replace the expertise that comes with consulting a personal injury lawyer. Having legal representation gives you access to their experience in this field, providing invaluable guidance through every step of the process. Seeking out such professional advice will ensure you have all the information needed to pursue your premises liability claim and guarantee compensation for your injuries and losses.

>> If you’re involved in a premises liability case in Florida, don’t hesitate to reach out to Jared Spingarn, Accident Attorney, at 1-954-781-2316 for a Free Case Review or drop a message on their Contact Us page.

What Is Premises Liability Law, And How Can It Protect You?

As a conscientious property owner, you know how important it is to ensure the safety of anyone who sets foot on your land. That’s why it pays to be familiar with premises liability law and understand its implications for both you and those visiting your property. Not only can this protect everyone involved from potential harm, but it also serves as an invaluable legal safeguard should any accidents occur. So, what is premises liability law?

This article will explore the fundamentals of premises liability law so that you have a better understanding of what measures are required to comply with these regulations and how they can benefit both parties if something goes wrong. So read on to learn more about what exactly constitutes premises liability laws in Hollywood, Florida, and why staying up-to-date on them is so important.

One of the best ways to understand premises liability law is by consulting with a premises liability and personal injury lawyer. In Florida, get in touch with Jared Spingarn, P.A., to help you understand the legal principles surrounding premises liability cases.

Premises Liability Law in Hollywood, Florida

Premises liability law refers to a body of rules and regulations that dictate the responsibility of property owners to ensure that their land is safe for visitors. These laws are in place to protect individuals who come onto another person’s premises from any harm or injury that may result from dangerous conditions on the property.

It is the owner’s responsibility to identify any hazards or risks that exist on their premises and take appropriate measures to address them. Additionally, it is important to note that premises liability law goes beyond just accidents that occur on the property.

It also applies to any violations of privacy or personal rights that visitors may experience while on your premises and any failure to provide adequate security for visitors and their belongings. Finally, these regulations are not limited to a certain property type; they apply equally to residential, commercial, and public spaces.

Premises Liability and Personal Injury

Premises liability is a part of personal injury cases that focuses on injuries sustained while on someone else’s property. The burden of proof lies with the injured party in these cases, and it is important to understand the applicable laws when filing a claim. Generally, property owners are expected to exercise reasonable care to ensure that there is no dangerous condition present on their property. When an unsafe condition is present that the owner knew about, and a serious injury occurs, the injured person may file a personal injury case against the property owner.

Categorizing Visitors in Premises Liability Cases

Categorizing Visitors in Premises Liability Cases

When it comes to premises liability cases, the injured party’s status can have a significant impact on determining fault. The classic approach to categorizing visitors on a property is based on their legal status in relation to the property. There are three basic categories: invitees, licensees, and trespassers. Furthermore, these categories include cases involving children and habitual trespassers.


Invitees are social guests or customers who have been invited onto the premises by the owner or tenant of the premises. Property owners must take steps to ensure that invitees are reasonably safe while on the premises.


Licensees are people who come onto the property for their own purposes, rather than at the invitation of the owner or tenant. The owner is only obligated to warn licensees of any known dangers on the premises.


Trespassers are people who come onto the property without permission or invitation from the owner. Property owners are generally not liable for trespasser injuries, except in certain cases where it can be proven that the owner acted with gross negligence or intent to harm.


In the case of children who enter someone else’s property, the property owner may be held liable if they should have expected that a child could enter the premises and become injured. This is known as the “attractive nuisance” doctrine, which holds property owners to a higher standard of care when it comes to protecting children from hazards on the property. Examples of an attractive nuisance can include trampolines, swimming pools, and abandoned machinery.

Habitual Trespassers

When an individual or group of people willfully trespass on a premise more than once without the owner’s permission, this is known as recurring trespassing. If the property owner failed to take adequate measures to prevent further occurrences such as displaying “no trespassing” signs and making it clear that unauthorized access will not be tolerated, they may be held liable for any damages caused by these repeated offenses.

The Doctrine of Negligence

This doctrine states that when a person acts in a way that does not meet the reasonable duty of care required for their situation, they may be held legally responsible for any damages caused by their actions. In Hollywood, Florida, the person who suffered the injury must show that:

  1. The property owner had a duty of care to protect them from harm;
  2. They breached this duty by failing to act with reasonable care;
  3. Their breach of duty resulted in the victim’s injury or loss.

Premises Liability Lawsuit

Suppose someone is injured on someone’s property, and the injury was likely due to the property owner’s negligence. In that case, they may be able to bring a premises liability lawsuit against that person. To do so, the injured person must prove that dangerous conditions on the property caused the accident and that the owner failed to address those hazards or risks adequately. The plaintiff also needs to show that the injury was foreseeable and that the owner should have taken reasonable steps to protect visitors from potential harm.

Examples of Premises Liability

A few common examples of premises liability lawsuits that may arise include the following:

1. Slip and Fall Accidents

Property owners must ensure that their premises are free of hazardous conditions, such as wet floors or icy sidewalks. These conditions may lead to slip and fall accidents, in which the property owner might be held liable for the unsafe condition of the floor.

2. Inadequate Security

Property owners must also provide adequate security measures to protect visitors from theft or assault while on the property. They must ensure to keep the property safe from intentional harm incidents to avoid liability.

3. Defective Products or Structures

If a product or structure on the property is defective or dangerous, the owner must take measures to ensure that visitors are not harmed by it. Suppose it is found that the property owner knew about a defective structure and continued to allow visitors on the property. In that case, they might be liable for accidents due to the said structure.

4. Negligent Supervision

If a property owner fails to supervise guests on their premises properly, they may be held liable for any injuries resulting from their negligence. Although the person injured may cause their own injury, the property owner might still be liable for the failure of supervision.

Premises Liability Insurance

Premises Liability Insurance

Fortunately, most property owners can purchase premises liability insurance to help cover any claims or legal fees that may arise from an injury on their property. This type of coverage is typically included in homeowners’ and business owner’s insurance policies, so all responsible landowners must ensure adequate coverage. When filing a premises liability insurance claim, it is up to the plaintiff to prove that the property owner is at fault for not identifying and addressing the hazard.

What types of damages are covered in a premises liability claim?

The damages that the property owner owed depends on the injury’s severity and the circumstances leading up to it. In a premises liability claim, the property owner can be held liable for any damages related to the injury, such as the following:

  • Medical expenses
  • Pain and suffering
  • Lost wages
  • Property damage
  • Emotional distress
  • Loss of consortium (for a family member’s emotional trauma)
  • Punitive damages (in cases where the defendant acted with gross negligence or intent to harm).

Proving Negligence in a Premises Liability Case

When it comes to determining claimant damages, contributory negligence and comparative fault can play a role. This means that potential compensation may be diminished or voided should the plaintiff’s carelessness have been a factor in causing the incident. The amount of blame attributable to the plaintiff will be quantified as a percentage when assessing any applicable reduction in penalty.

Determining Liability in Premises Liability Cases

It is important to note that the property owner may not always be held liable in a premises liability case. In determining liability, courts will consider the following:

  • Nature of the hazard
  • Foreseeability of harm
  • Reasonableness of any safety measures taken by the owner
  • Negligent behavior on behalf of the plaintiff.

Ultimately, it is up to a jury or judge to decide whether or not a property owner should be held liable for an injury that occurred on their premises.

Why do you need a lawyer

Why do you need a lawyer?

When filing a personal injury claim in Hollywood, Florida, it is important to seek legal representation from an experienced attorney from the law firm of Jared Spingarn. An attorney can help you navigate the legal process and ensure your rights are fully protected throughout your case.

From gathering evidence and building a strong argument to negotiating with insurance companies and representing you in court, an experienced personal injury lawyer will ensure that you are fairly compensated for your damages. They will also be able to advise you on any applicable laws and provide guidance throughout the legal process. Ultimately, a lawyer can help ensure you receive the compensation you deserve for the injury caused by someone else’s negligence.

How to Avoid Premises Liability

The best way to avoid premises liability is for property owners to exercise reasonable care about the safety of those on their premises. This includes regularly inspecting and maintaining the property, ensuring all safety features are in working order, properly informing guests of any known hazards, and responding promptly and appropriately to any complaints or concerns about possible risks. Property owners should also ensure they have the necessary insurance coverage to protect them in case of a premises liability claim. Additionally, posting signs warning against trespassing and taking steps to prevent unauthorized access can help reduce the risk of a lawsuit.

Ultimately, property owners have the legal responsibility to ensure the safety of all those who come onto their property, whether invited or not. With a little knowledge and precaution, premises liability claims can be avoided, and both parties will be better protected.


What is premises liability law? It is an important part of protecting individuals visiting another’s property from any harm or injury resulting from dangerous conditions. By familiarizing themselves with the law, property owners can take the necessary steps to protect themselves and their visitors from any possible claims.

Additionally, people must know their rights when bringing a case against a property owner. With the help of an experienced legal team led by Jared Spingarn, you can guarantee that your losses and injuries caused by another individual’s negligence are fully compensated.

>> If you’re involved in a premises liability case in Florida, don’t hesitate to reach out to Jared Spingarn, Accident Attorney, at 1-954-781-2316 for a Free Case Review or drop a message on their Contact Us page.

What Is Premises Liability Insurance Coverage?

Have you ever run into a problem with your property that ended up costing more than you expected? It’s an all-too-common occurrence, but fortunately, there’s something you can do to protect yourself against the worst of it – premises liability insurance coverage.

What is premises liability insurance coverage? This article will explore why having proper premises liability insurance is indispensable for both financial safety and mental ease. It will dive into what a policy covers and how you can attain coverage that suits your unique needs. Additionally, some advantages of enlisting an attorney when handling claims or disputes will be discussed.

If you find yourself in a situation that revolves around premises liability coverage in Hollywood, Florida, be sure to contact the Law Offices of Jared Spingarn, P.A. Jared’s team can guide you through the process to ensure that you are checking all the boxes in filing a claim.

What is premises liability insurance?

Essentially, premises liability is a type of insurance coverage that protects you from any legal or financial liabilities resulting from an incident occurring on your property. Premises liability applies to both commercial and residential properties. Not only does this provide peace of mind in the event of an incident, but it can also save you, the business owner, from having to pay out large sums of money should a problem arise.

Premises Liability Claims

Premises liability can be filed for a variety of reasons, including but not limited to the following:

Premises Liability Claims

  • Slip and fall accidents
  • Inadequate security measures
  • Negligent maintenance of the property
  • Dangerous conditions on the premises
  • Assaults or other criminal activity
  • Defective products used on the premises
  • Fires or explosions caused by negligence or improper safety procedures
  • Animal bites
  • Accidents involving recreational activities
  • Defects in construction or remodeling work

Do I need a premises liability policy?

Property owners should always consider purchasing a premises liability policy to protect themselves from potential liabilities. If you own or manage a business, this is especially important as you may be held liable for any accidents that occur on the premises. In addition, if your property contains any hazardous materials or conditions that could result in an injury or illness, it is essential to have a policy in place.

Finding the Right Coverage in Hollywood, Florida

When looking for a premises liability policy, a property owner must consider their specific needs and risk factors. Consider what types of incidents could arise on your property and make sure you purchase enough coverage to protect yourself should a premises liability accident occur.

Duty of Care and Premises Liability

As a property owner, you must guarantee the safety of all who enter your space. This duty requires taking proactive steps to anticipate and prevent any potential accidents or injuries from occurring on the premises. Usually, visitors are divided into two groups: invitees and licensees. Each group is entitled to distinct duties of care when visiting your domain.


Invitees are people who have been invited or have permission to enter your property, such as customers or guests. As the property or business owner, you must take reasonable steps to ensure their safety while on the premises and warn them of any known hazards that could cause harm.


A licensee is someone who enters your property without an invitation but with your permission. The duty of care owed to a licensee is slightly lower than that of an invitee, but you must still provide reasonable safety for them while on the premises and warn of any known hazards.

It is important to note that when children are present, the responsibility of care is heightened no matter if they have been invited or have come of their own accord. Since children do not usually understand potential hazards on a property, it is essential to be mindful and take all necessary steps to guarantee safety when young guests arrive.

But if a trespasser enters your property and is hurt due to their own negligence, you might not be responsible for any damages. However, each case is different; speaking with a legal expert can help determine your liability in such an occurrence, so be sure to get in touch with an attorney from Jared Spingarn’s law firm for expert advice.

Overall, if you fail in the duty of care, you may be held liable for any resulting injuries or losses, such as medical expenses, lost wages, or property damage. That’s why it’s important to purchase adequate premises liability coverage to protect yourself should an accident occur on your property.

What is not covered in premises liability?

Although premises liability covers a variety of risks, there are specific incidents that it does not cover, such as:

What is not covered in premises liability

  • Professional services rendered while on the premises: This includes any services provided by a contractor or professional such as an electrician, plumber, doctor, etc.
  • Defamation: This refers to someone making false and damaging statements about another person on your property.
  • Intentional misconduct: This will not be covered if you intentionally harm another individual while they are on your premises.
  • Criminal activities: If someone is injured or their property is damaged due to criminal activity on your premises, this will not be covered.
  • Injuries caused by faulty products: If a consumer is injured due to a faulty product while on the premises, this will not be covered.
  • Losses due to natural disasters: If your property is damaged by a natural disaster such as an earthquake, hurricane, or flood, this will not be covered.
  • Fines and penalties: If you are fined or penalized due to a violation of local, state, or federal laws while on the premises, this will not be covered.
  • Contractual obligations: If someone is injured due to a breach of contract while on the premises, this will not be covered.
  • Cyber-attacks: This will not be covered if someone’s property or identity is stolen due to an online attack that originated from your premises.
  • Liquor liability: If someone is injured or their property is damaged due to alcohol consumption on your premises, this will not be covered.

To guarantee your business is fully protected, it’s a wise idea to get commercial general liability coverage as part of your business insurance, in addition to premises liability insurance, since there are numerous risks that the latter does not cover.

What are the regulations for shared premises?

The laws governing shared premises vary from state to state. Generally, each owner is responsible for their own liability risks. Still, the landlord or primary tenant may be held liable if they have knowledge of any hazardous conditions on the property and fail to take action.

Before signing a contract, all parties involved in a tenancy agreement must understand their respective liabilities and responsibilities. It is also important to ensure that all parties are adequately insured against potential liability risks.

Is general liability insurance the same as premises liability?

No, general liability insurance and premises liability are two separate types of insurance coverage. General liability insurance covers a variety of risks, such as injury or property damage caused by negligence while doing business activities.

Premises liability insurance is specifically designed to cover any losses or damages resulting from accidents on the premises owned or leased by an individual or business.

Tips for Reducing Premises Liability Risks

Follow the tips below to reduce your risk of being held liable for any damages or injuries that occur on your premises.

Tips for Reducing Premises Liability Risks

  • Adequately maintain the premises: Regularly inspect and repair any potential hazards, such as loose floorboards or broken stairs to prevent accidents.
  • Provide adequate signage: Install signs warning of potential dangers if they exist on the premises (e.g., wet floors, electrical cords, etc.).
  • Limit access to certain areas: Establish a policy that restricts access to hazardous areas or equipment unless someone is properly trained to handle them.
  • Provide adequate lighting: Make sure hallways, stairwells, and other public areas are well-lit to prevent accidents.
  • Monitor visitors: Have employees or security personnel monitor visitors on your premises.
  • Offer safety training: Provide employees with appropriate safety training to ensure they understand the risks associated with their job and how to prevent them.
  • Establish a written policy: Create a comprehensive written policy that outlines expectations for visitors and employees, as well as liability protections for the owner.

Why is it important to contact a lawyer?

It is important to contact a lawyer if you are unsure of your rights and responsibilities as the owner or tenant when it comes to premises liability. Speaking directly with your insurance company can cause all sorts of misunderstandings, or, worse, mishandling of your case. An attorney can explain the legal jargon to you to ensure that your business property is well protected in case of an accident.

An experienced premises liability attorney from Jared Spingarn’s law firm can advise you on protecting yourself from potential lawsuits and other legal issues. Jared’s legal team has experience handling all types of personal injury cases, including premises liability cases. Schedule a free consultation with Jared today to learn more about your coverage and how it can affect a premises liability case.


Now that you understand what is premises liability insurance, you are primed to protect your property from any unforeseen issues. Nothing beats being proactive in safeguarding your property or business against potential liabilities in the future. Accumulate helpful knowledge, obtain additional coverage such as business insurance, and consult with an experienced lawyer from Jared’s firm in Hollywood, FL, to guarantee that you’re in the best possible situation.

>> If you’re involved in a personal injury case in Florida, don’t hesitate to reach out to Jared Spingarn, Accident Attorney, at 1-954-781-2316 for a Free Case Review or drop a message on their Contact Us page.