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Premises Liability Session I covers the fundamentals of premises liability law. Session I begins with an overview and workshop which give the student an opportunity to work through several real life hypothetical scenarios. Session I then continues with discussion of the duties property owners and occupiers owe to entrants including invitees, licensees, and trespassers. Session I is the prerequisite for Session II.

After completing the course, the student will be able to describe the majority and minority views for classifying entrants to property. Students will be able to distinguish between invitees, licensees, and trespassers. Students will be able to identify when status of an entrant can change and thus change the duty owed by the owner or occupier of the land. Students will be able to apply the benefit of the owner test in distinguishing between licensees and invitees where appropriate. Finally, students will be able to describe the duty owed to an entrant by the owner or occupier of land based on the classification of the entrant.

The course is designed for practitioners and insurance professionals working in the area of third-party liability insurance coverage and litigation.

What CE Credit is available?

Note: To qualify for credit, you must submit completion (including a passed final exam if required) within five days of completing the last quiz. No partial credits will be awarded.

State:
Adjuster General CE Hours:
Adjuster Ethics CE Hours:
Attorney General CLE Hours:
State's Course ID:
NH 2.0 482650
TX (classroom equivalent) 2.0 128182
NC 2.0 C76657
FL * ( Provider Number: 364169 ) 2.0 1191357
IL 2.0 485545
OK 2.0 1024208
WY 2.0 26110

* This course has been approved by the Florida Department of Financial Services for insurance continuing education credit.

Course Content

Lesson Content

1) Premises Liability
a) Intro
b) Scope
c) Example cases
2) Jurisdictional Issues
a) State-to State
b) Intra-state
c) Usefulness of black letter
law
3) Nature of Premises Liability Law
a) Evolving
b) Influences
c) Redirect Focus to
Practices rather than Actual Claim
4) Analytical Methodologies
a) meaning
b) purpose
c) steps
5) Trends
6) Quiz – Reinforcing Part 1 Materials
a) 5 multiple choice
questions
b) 4 choices per
question
c) A second quiz if less than
80% score on first quiz

Lesson Content

1) Fact Review
a) Slip & Fall
b) Wet Floor in Store Front
Vestibule
c) Premises Liability
2) Issue Identification
a) Origin of Wetness
i) Weather conditions/natural accumulation rule
ii) Heating/Cooling systems
iii) Conditions of roof/door
b) Floor Surface
i) Rugs
ii) Other material
c) Surveillance Tapes
i) Traditional purpose of cameras
ii) Camera positioning
iii) Looping and routine erasure
iv) Spoliation/preservation
d) Maintenance Records
i) Existence or lack of records
ii) Housekeeping procedures
e) Length of Time Water on
Floor
f) Prior Accidents
i) At store
ii) Plaintiff’s prior accidents
g) Area of Responsibility
i) Store operator
ii) Mall
h) Other Facts
i) Shoes
ii) Medical condition of plaintiff
i) Signage
i) Adequate warning
ii) Language
iii) Example: employee only door
3) Quiz – Reinforcing Part 2 materials
a) 5 multiple choice
questions
b) 4 choices per
question
c) A second quiz if less than
80% score on first quiz

Lesson Content

1) Fact Review Hypothetical 2
a) Warehouse Style Retail
Store
b) Customer Injured
Reaching/Lifting Product
c) Premises Liability
2) Issue Identification Hypothetical 2
a) Who set up display
i) store
ii) vendor
iii) insurance agreements
iv) Indemnity provisions
b) Ladders
i) Available
ii) Signage
iii) Warnings
iv) foreseeability
c) Alternatives
i) Product on lower shelves
ii) customer assistance
iii) help light
iv) paper tag to take to register/customer
assistance
d) security cameras
e) History of similar loss
i) Store
ii) Customer
f) Procedures
i) Stocking
ii) Restocking
iii) Permissible layouts
iv) Other specifications
3) Fact Review Hypothetical 3
a) Criminal acts
b) Assault at concert venue
c) Premises Liability
4) Issue Identification Hypothetical 3
a) Security Responsibility
i) In-house
ii) Outside contractor
iii) Management contracts
iv) Indemnity agreements
v) Insurance requirements/contracts
vi) Re-entry rules
b) Source of Object
i) Venue vendor
ii) Brought from outside
c) Claimants Conduct
d) Witnesses
e) Policy regarding
i) Liquor sales
ii) Re-entry
f) Type of entertainment
(rock/jazz/country)
i) Anticipated audience
ii) Precautions
iii) Foreseeability
g) Criminal backgrounds
i) Claimants
ii) Employee as wrongdoer
h) Terms on ticket
5) Quiz – Reinforcing Part 3 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than
80% score on first quiz

Lesson Content

1) Classification of Entrant
a) Three Prong System
i) Minority View
ii) Invitee
iii) Licensee
iv) trespasser
b) Two Prong System
i) Majority View
ii) Invitee/Licensee
iii) trespasser
2) Invitee/Licensee v. Trespasser
a) Permission Distinction
b) Definition of
permission
i) Time of occurrence
ii) Location of occurrence
c) Changing Status of
Permission
3) Invitee v. Licensee
a) Benefit of the owner
test
b) examples
i) babysitter
ii) repairperson
iii) child’s play friend
4) Duty to Invitee
a) Warn of known
danger
b) Correct known danger
c) Knowledge
requirement
d) Reasonable inspection
knowledge
5) Duty to Licensee
a) Warn of known
danger
b) Correct known danger
c) Knowledge
requirement
d) Distinction with Licensee
duty
6) Quiz – Reinforcing Part 4 materials
a) 5 multiple choice
questions
b) 4 choices per
question
c) A second quiz if less than
80% score on first quiz

Lesson Content

1) Trespasser Defined
2) Older Law
a) No Duty to trespasser
b) Trend of erosion
3) Newer Law
a) Notice creates duty
b) Treat as licensee
4) Notice of trespasser
a) Actual Notice
b) Constructive Notice
(should have known)
5) Constructive Notice Examples
a) Appearance of land
b) Prior experience
c) Prior Accidents
6) Unknown Trespasser
a) No duty
b) Refrain from willful or
wanton conduct
7) Quiz – Reinforcing Part 5 materials
a) 5 multiple choice
questions
b) 4 choices per
question
c) A second quiz if less than
80% score on first quiz

Submit within 5 days to get CE Credit or Certificate of Completion.