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Premises Liability for Slips & Falls

When an unoccupied structure is under construction, owners can still be held liable for slips, falls and other often preventable accidents — even if the injured party was trespassing. Premises liability coverage can protect a property owner’s interests against medical expenses of the injured party, and more importantly legal defense should the incident result in a lawsuit.

As the residential or commercial property owner, you need to protect your financial livelihood from a host of hazardous conditions if there isn’t permanent property coverage in place, such as homeowners insurance or a commercial business owners policy.

Project Examples

Premises liability coverage protects residential and commercial property owners when:

  • An unoccupied property is undergoing new construction
  • A vacant property is being remodeled
  • A piece of land is undergoing construction without property coverage

Eligible Customers

  • Residential and commercial property owners undergoing new construction or remodeling projects

Product Highlights

  • Insured by an “A” rated carrier
  • Policy must be in the name of the legal property owner, whether it’s the homeowner or contractor
  • Insure one or multiple residential properties per policy when located in the same state; commercial properties are restricted to one location per policy
  • 3, 6 and 12-month policy terms available with limits up to $1M per location
  • Minimum premium starting at $100
  • Premium installment payments available
  • A separate builders risk policy can be secured

Will Homeowners Insurance Cover Your Remodeling Project?

Find out what coverage gaps might exist when you undergo home renovations.

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How Do Providers Stack Up?

Compare course of construction policies to the Builders Risk Plan insured by Zurich.

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