Premises Liability Insurance – Environment Slippery Slope

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So there you are, thinking about investing in premises liability insurance, after all, it is essential to protect your business, and if you do get sued for an accident then you can claim damages. However, how are you going to assess the risk and see whether your premises are safe enough? If you are to base your decision solely on the level of insurance coverage then it may not be the best option. How do you know that the costs of damage to the property from an accident are unlikely to happen? Property owners are no better at making the right decisions when it comes to the cost of repairs, so they often find themselves struggling to provide the cheapest and most effective protection to their business.

So the question you should ask yourself is if you really do need to ensure your premises or can you provide adequate protection for the cost? Most businesses that have invested in insurance have been able to make their business a lot more profitable. Insurance premiums will often be less than the cost of repairs or replacing equipment, or equipment going missing from the premises, and the damage from accidents is often much less than the cost of replacing equipment.

Environmentally Liability For Property Owners

Environmental liability can be thought of as the sum total of environmental factors, legal and societal laws, and human factors that a property owner can potentially be held accountable for. This is a tricky area for some property owners to contend with and it can often take a long time to find out if the property owner has properly addressed any possible issues with regard to environmental liability.

The thing about environmental liability for property owners is that it is not very clear-cut and many of the environmental factors are totally beyond the property owner’s control. Because of this, it is very important for the property owner to seek the advice of an attorney who specializes in property law and environmental liability issues. This is particularly true when a property owner has any sort of ongoing environmental issues.

Calculator Calculation Insurance  - stevepb / Pixabay
stevepb / Pixabay

An environmental liability directive is something that is designed to help property owners deal with environmental issues in their neighborhoods. A directive can also be used to address an underlying environmental problem or one that may be growing in magnitude over time. Many times a property owner is unaware of what has been happening in the neighborhood and may need a legal expert to help them navigate the area and handle any issues that they have encountered.

For property owners who are in an area that does not meet environmental standards and regulations, the Department of Environmental Protection (DEP) and the Texas Commission on Environmental Quality (TCEQ) can both utilize environmental directives to help property owners to determine if they are on the correct path. It is very important for property owners to avoid any environmental issues on their property because if they do not, they could face monetary fines. You can find out your legal liability with the assistance of an environmental liability directive online.

It is not uncommon for property owners to find themselves in situations where they are financially liable for the actions of another person. If you own a property and are trying to sell it and find that it has flooded, there is not much that you can do about it. The property owner cannot claim that the water damage was the property owner’s fault because the water damage was caused by somebody else.

If you find yourself in such a situation and you do not have an environmental liability directive with you, you might want to consider obtaining one from your lawyer. Your lawyer can help you determine the best course of action and he can also guide you through the process of securing the environmental liability directive. If you have a law firm willing to help you in such a situation, the attorney can contact the DEP or TCEQ to determine if they require the property owner to file an environmental directive.

When you speak with your legal counsel, he or she can help you determine if the flood is the property owner’s fault or if the water damage has resulted from natural causes. If the flood is the property owner’s fault, the owner will likely be asked to pay for the cleanup and the property owner should try to prevent flooding from happening again in the future. If it is not the property owner’s fault and the water damage is from natural causes, the property owner can ask the homeowner to provide them with a certificate of insurance.



Slipping and falling can happen to anyone, in fact, they are the second leading accident behind auto accidents. The main types of slip and fall incidents are:

  • Premise Liabilities
  • Workplace Injuries

These incidents can occur a variety of ways, some examples being that:

Damaged Walkways – Cracks, Ice, and potholes all fall under this cause.
Insufficient Lighting – This includes low lit sidewalks and interior space.
Cluttered Floors
Slippery Walkways – Signs warning of wet floors should always be present.

  • Damaged Walkways – Cracks, Ice, and potholes all fall under this cause.
  • Insufficient Lighting – This includes low lit sidewalks and interior space.
  • Cluttered Floors
  • Slippery Walkways – Signs warning of wet floors should always be present.

These incidents can occur in any type of privately owned location, Including but not limited to: Homes, Stores, Parks, and Restaurants.
If you or someone you know has been involved in a slip and fall accident, call Tofer & Associates right away for proper guidance on the steps to come.

We offer FREE consultations, and we don’t charge a fee unless we win your case. Call 800-291-9000 today!

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