In a liability insurance context, which claim would be considered a premises liability?

In the context of liability insurance, premises liability refers specifically to the legal responsibility of property owners to ensure the safety of individuals on their premises. This includes various scenarios, particularly those involving accidents that occur as a direct result of the conditions of the property.

A claim involving a customer slipping on a wet floor in a store is a classic example of premises liability. The storeowner has an obligation to maintain a safe environment and to take reasonable steps to prevent accidents. If someone slips and falls due to a hazardous condition, such as a wet floor that was not marked or cleaned up in a timely manner, the store may be held liable for the customer’s injuries.

The other scenarios presented do not fall under premises liability. A person injured by a faulty product relates to product liability, which holds manufacturers or sellers responsible for placing a defective product into the hands of consumers. An employee harmed in a workplace accident typically involves workers' compensation claims rather than premises liability, as it pertains to employee injuries rather than the state of the premises. Lastly, a contractor being injured while not on site would not be considered premises liability since their injury did not occur on the property for which the premises liability applies.