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⚠️ Slip & Fall / Premises Liability

Slip & Fall / Premises Liability Insurance Claim: What Your Business Is Owed

Customer and employee injuries on business premises, parking lot accidents. Know what's covered, what's typically denied, and how to document your claim so the insurer can't lowball you.

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⚠ Informational only. Not legal advice. For legal representation, consult a licensed attorney in your state.
What's Typically Covered
  • Customer medical expenses from on-premises injuries
  • Legal defense costs for liability claims
  • Settlement payments up to policy limits
  • Employee medical payments under separate workers comp
  • Parking lot and exterior premises injuries
What Insurers Commonly Deny
  • Claims beyond policy liability limits
  • Intentional harm by business owner
  • Workers comp injuries (separate policy)
Documentation Checklist
Gather these before contacting your adjuster. Missing documentation is the #1 reason claims are underpaid.
  • Incident report filed immediately
  • Photographs of hazard before correction
  • Witness statements from employees and bystanders
  • Security camera footage preserved
  • Medical records if available
  • Maintenance and inspection logs showing upkeep
Frequently Asked Questions
A customer slipped on a wet floor in my store. How do I handle the claim?
Report to your general liability insurer immediately. Preserve all evidence including photos and surveillance video. Do not admit fault. Your insurer's claims team will investigate and handle the claim.
My employee was injured at work — is that covered under my commercial liability policy?
No. Employee injuries are covered by workers compensation insurance, which is separate from general liability. You are required by law to carry workers comp in most states.
Search Keywords People Use
If you found this page searching one of these terms — you're in the right place.
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Slip & Fall / Premises Liability Claims by State
Insurance law varies. Find your state's specific rights and statute of limitations.
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If Your Claim Was Denied

  • Request denial in writing
  • Get the specific exclusion cited
  • File a complaint with your state commissioner
  • Consult an insurance claim attorney
  • Check bad faith law in your state

Average Claim Gap

$14,200

That's the typical difference between an insurer's first offer and the amount the policy actually supports for commercial property claims.