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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.
Premises liability coverage protects residential and commercial property owners when: