Premises liability is the legal theory stating that property owners are responsible for any bodily injuries and property damage that lawful entrants incur. This theory holds even for the owners, operators and lessors of airports in Georgia, so they may want to make sure they have premises liability coverage. In many cases, they can add it via an insurance endorsement. Adding a separate general liability policy may set them back $750 to $2,000 for the premium alone.
There are several types of liability coverage, including general liability, public liability, premises liability and OL&T liability, or owner, landlord and tenant. The differences between them are minor. Whatever they choose to add, airport owners will want to read over the contract thoroughly for any clauses that might prove to be unfair to one or the other party.
One example is a hold harmless clause, which prohibits one party from holding another responsible for injuries and damage. Another is an indemnification clause, which is used sometimes to shift blame for incidents to another party. Breach of warranty clauses are a third example.
Airport owners are encouraged to work closely with their aviation insurance broker. Brokers can provide quotes from aviation underwriting companies. Brokers can also answer the more specific questions that owners are faced with.
There are a number of ways that entrants might injure themselves on a property. They might slip, trip, fall, be exposed to harmful chemicals or be the victims of other preventable accidents. If the incident could have been prevented by the property owner, then victims may have a valid case on their hands. First, victims may need to clear themselves of any accusations of unsafe conduct on the property. For this and other reasons, it may be a good idea to seek legal advice and guidance.