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Are You a Land Owner that Leases to Others?

You Are Liable for Damages! 

You are a land owner. Though you lease your property to others, you face a lot of undesirable liability exposure. Follow the claim examples below to understand what type of risk you face.

NJ Claim Scenarios

Parking lot liability:

A parking lot patron slipped and fell onto irregular parts of the concrete's surface. The woman suffered a broken wrist that required medical attention amounting to $5,000 in doctors’ bills. She brought a claim against the land owner for lack of maintenance on the property. Settlement was reached at $25,000, encompassing costs of defense.

RELATED: How NJ parking lots protect themselves

Building on premises liability:

The land owner has a long term lease with the building’s owner whose tenant is a night club. One evening, a night club patron suffered extensive injuries and brought a negligent security claim against anyone he could: the land owner, the building owner and the nightclub owner. The claimant was awarded $100,000 to be paid by the land owner. There was an additional defense cost.

Storage lot liability:

Over time, a storage lot owner allowed rubbish to pile up. Because it was not contained, it was blown onto a nearby property during a storm. This resulted in some damage to the other property’s building. The neighboring property owner filed a $20,000 property owner lawsuit against the storage lot owner. Settlement was reached at $5,000.

Hunting Liability:

A land owner leased his property to a hunters’ society. The society neglected to remove certain traps. Then, a passing game warden incurred extensive foot injury after stepping into one trap. Doctors’ bills amounted to more than $15,000. The warden brought a claim against the land owner that incorporated his medical bills, lost wages and partially disabled foot. Settlement was reached at $150,000.

PRIME Insurance – Helping Land Owners Acquire Tailored Protective Coverage

At PRIME Insurance Agency, we are thoroughly familiar with the land owner’s risk liability and the type of coverage needed. Working for you, we shop our broad network of insurance companies, helping you find precise insurance – at competitively lowest quotes.

Visit us online at, email us at PRIME [at] primeins [dot] com  or call us directly at 732-886-5751 today!

Summary: You are a property owner. You lease the property to someone else. In the event damages are incurred, guess who is liable?


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