Types of Premises Liability Cases: Complete Breakdown

Premises liability cases arise when someone is injured due to unsafe or poorly maintained property conditions. Whether it’s a grocery store, apartment complex, or private home, property owners have a legal duty to ensure their space is reasonably safe. When they fail to do so, they may be held financially liable.

Let’s explore the most common types of premises liability cases and what they mean for both property owners and injured parties.

1. Slip and Fall Accidents

Slip and fall cases are the most frequent type of premises liability claim. These incidents usually involve:

• Wet or greasy floors without warning signs

• Icy or snowy walkways not properly maintained

• Uneven flooring, loose carpets, or broken tiles

• Debris or objects left in walking paths

• Poor lighting that hides hazards

Property owners must fix or warn of these dangers within a reasonable time frame.

2. Trip and Fall Hazards

Similar to slip and falls, trip and fall accidents happen when someone stumbles over:

• Cracked sidewalks

• Broken stairs or missing handrails

• Exposed electrical cords

• Loose pavement or floor transitions

These accidents often result in broken bones or head injuries and are highly preventable.

3. Inadequate Security

Property owners can be held liable if someone is injured due to criminal activity on their premises and it’s proven that:

• Security was clearly lacking (e.g., broken locks or no cameras)

• Previous crimes occurred and no preventive steps were taken

• There was foreseeable risk, especially in high-crime areas

This is common in apartment buildings, parking garages, and hotels.

4. Dog Bites or Animal Attacks

Animal attacks fall under premises liability when:

• The animal is kept on the property

• The owner knew or should have known the animal was dangerous

• The victim was lawfully on the premises (not trespassing)

In many cases, dog bites result in both physical and emotional damage.

5. Swimming Pool Accidents

Homeowners and public facilities with pools can be held liable for:

• Drownings or near-drownings

• Lack of safety barriers or supervision

• Slippery pool decks or broken diving boards

• Failure to follow local pool safety codes

Pools are considered “attractive nuisances” that require extra precautions, especially for children.

6. Elevator and Escalator Injuries

These cases involve:

• Sudden stops or drops

• Malfunctioning doors

• Poor maintenance or inspections

• Entrapment injuries

Owners of commercial or residential buildings must regularly inspect and maintain elevators and escalators.

7. Falling Objects or Structural Failures

Common in retail stores, warehouses, and older buildings, these include:

• Products falling from shelves

• Ceiling collapses

• Faulty construction

• Loose railings or balconies

When injuries are caused by preventable maintenance issues, the owner may be found negligent.

8. Toxic Exposure or Mold

Tenants or visitors exposed to hazardous conditions can file claims if they’re injured by:

• Mold infestations

• Lead paint

• Toxic fumes or chemicals

• Asbestos

Landlords and property managers have a duty to identify and remediate such hazards.

Final Thoughts

Premises liability cases cover a wide range of injuries caused by unsafe property conditions. Whether it’s a slip, a fall, a dog bite, or an assault due to poor security, victims may have the right to compensation if negligence can be proven.

Unsure whether your injury qualifies as a premises liability claim?
With over 30 years of experience and access to nearly 100 insurance providers, THAgency will help you evaluate your case and guide you through the claims process with confidence. Just send us your inquiry—fast, secure, and no obligation.