Premises Liability and the Importance of Liability Insurance
Sometimes customers or other individuals get hurt in slip and fall accidents at businesses. For business owners, learning about a serious slip, trip, and fall injury can be disconcerting, given that these accidents can result in severe injuries to the head, neck, and back, and sometimes they also result in broken bones. In short, slips and falls are serious, and businesses can be held liable in certain circumstances.
Litigation can be costly when someone falls and suffers serious injuries at your business. At Farooqi & Husain Law Office, we understand how detrimental it can be to a small business owner to face a serious premises liability lawsuit. We are here to help members of the DuPage County Muslim community, and we want to do all that we can to ensure that your business thrives. In order to prevent a costly premises liability claim, it is important to think carefully about purchasing premises liability insurance anytime you decide to open your own business.
Severity of Slips, Trips, and Falls at Places of Business
According to a fact sheet from the National Floor Safety Institute (NFSI), falls result in more than eight million visits to emergency departments every year. In fact, falls are the leading cause for visits to emergency rooms (more than 21 percent of all visits). The most frequent serious injuries resulting from slips and falls are fractures, which occur in around five percent of all people who suffer a fall-related injury. And based on data from the Centers for Disease Control and Prevention (CDC), the NFSI emphasizes that more than 15,000 people aged 65 and older die as a result of falls every year.
Why are we emphasizing the severity of fall-related accidents and slips, trips, and falls? In short, it is important for businesses and small business owners to consider the costs of a potential premises liability lawsuit. Many of the injuries that result from slips and falls or other related injuries can require years of medical treatment and rehabilitation therapies. In some cases, injury victims even require surgeries. And in the most severe cases, injury victims — particularly those who are elderly — can actually suffer fatal injuries in a slip and fall.
You can help your business to avoid costly litigation by covering yourself with premises liability insurance.
Learning More about Premises Liability Insurance
What can premises liability insurance do for you and your business? In short, and most importantly, it will cover you for injuries sustained by a customer or another visitor in a slip and fall accident. For example, many insurance companies offer various forms of business insurance — including premises liability insurance — to protect you in the event that someone gets hurt at your business.
You might be wondering if you actually need premises liability insurance. Generally speaking, business owners have a duty to ensure that their premises are safe for customers and to take actions when they know or should have known about a potential hazard. However, even business owners who take particular care in the upkeep of their property can miss something. You should not risk the consequences of a costly premises liability lawsuit and should invest in premises liability insurance.
If you have questions about business litigation or claims for which you can be liable as a business owner, you should talk to an experienced Oakbrook Terrace litigation attorney about your case. Contact Farooqi & Husain Law Office today to learn more about our commitment to serving members of the Muslim community in DuPage County.