Question

Nero Bauto recently opened a departmental store. A customer while purchasing, slips and falls in the store. In this case, what is the insurance called that serves as a benefit payable on behalf of a covered party who is legally responsible for unintentionally harming others or their party? Select one: a. Property & Casualty Insurance b. Group Insurance c. Health Insurance d. Liability Insurance​

Answer 1

Answer:

Explanation:

If you slip and fall in a store, you may have a personal injury claim against that business. Whether it's a "big box" nationwide chain like Walmart or Target, a grocery chain like Kroger, Albertsons or Safeway, or a local independent retailer, any business that invites the public onto its premises is obligated to take certain steps to keep customers out of harm's way. Customers who are injured in slip and fall accidents on store premises may have a valid case against the business, but the process may not always be a smooth one. This article looks at slip and fall claims against common types of retailers, and key issues to consider.

Duty to Maintain Safe Premises

Like all businesses that open themselves up to the public, stores are legally obligated to maintain reasonably safe premises for the protection of their customers. When a slip and fall accident happens at a department store, grocery store, or even a local "mom and pop", the business may be liable for injuries if it can be shown that the slip and fall occurred due to unsafe conditions on the property. (Learn more about proving your slip and fall case.)

Injuries from slip and falls at a store can happen for a variety of reasons. A customer might fall on an accumulation of snow or ice in the entry way of the store, or trip over a frayed floor mat. Items on display might be haphazardly placed and can fall in the path of a customer. The store might have poor lighting leading to poor visibility, or a spilled latte could have left a puddle in an aisle. The possibilities are endless, but regardless of the cause of the slip and fall accident, the legal responsibility of the store will depend on whether it had reasonable notice of the unsafe condition and a chance to fix it.

Answer 2

Liability Insurance​ is the insurance called that serves as a benefit payable on behalf of a covered party who is legally responsible for unintentionally harming others or their party.

What is liability Insurance?

The word "liability insurance" refers to an insurance policy that protects an insured party against claims arising from injuries or property damage to others. Any legal fees and payouts that an insured party is responsible for if they are proven legally liable are covered by liability insurance policies.