Researchers at CNA Financial Corporation have studied the slip and fall liability claims the insurer faced between 2010 and 2016, and they came to several conclusions that may intrigue business owners in New Jersey. Most importantly, in 50 percent of the surveyed sites, flooring did not meet the minimum threshold for dynamic coefficient of friction (DCOF) levels; in other words, they had inadequate slip resistance.
An uneven sidewalk, broken step or slippery surface could cause a New Jersey resident to trip and fall. Tripping accidents often involve injuries to the ankle. Three bones, the tibia, fibula and talus, meet at this joint that is supported by ligaments, tendons and cartilage. Damage to any of these body parts could result in a long recovery time of weeks or months depending on the extent of the injury.
A tragic case out of Georgia is bringing attention to the catastrophic results that can occur when a dog attacks. The case involves the owner of two dogs, one pit-bull mix the other a border collie, that attacked a group of children headed to the bus stop. The children came to each other's aid, attempting to fight off the dogs as their friends were attacked.
Each year, 10 million people visit the emergency room because of injuries suffered on their or someone else's residential property. This results in about 6 million insurance claims seeking compensation for lost wages, medical bills and other damages. The most common types of injuries suffered by household guests include slips and falls, dog attacks and electrical burns. Drug overdoses are another common cause of injury among house guests.
Business owners in New Jersey and around the country usually purchase general liability insurance coverage to reduce their exposure to premises liability lawsuits, but they should also put procedures and policies place to reduce their chances of being sued and protect vendors, customers and others who visit their establishments. This type of legal action is generally filed against the tenants rather than the owners of commercial properties as most factory, warehouse, office or retail store leases include provisions stating that maintenance and safety are the occupier's responsibility.
There are many New Jersey residents who own dogs that can quickly turn aggressive. What they may not know is that if that dog bites someone, the owner can be held responsible. Even if the have insurance that covers animal bites, they may find that their insurance premiums could go up.
As New Jersey residents may know, establishing negligence is an intricate part of a personal injury lawsuit. Generally, the causal relationship between the injury and another person's negligence must be established showing how he or she deviated from an expected duty of care and caused the injury. Proof might be difficult in some circumstances, and a doctrine called res ipsa loquitur may be used instead.
It's a story that's been told too many times: A patron is shopping at a grocery store and suffers a serious back injury after slipping on an unmarked patch of water. In another scenario, a person is visiting a private home and is injured after stumbling down crumbling cement steps.