Premises Liability Insurance Policy Search
Slip-and-fall, dog bite, negligent security — find who actually pays the claim.
Premises cases live and die on a single question: whose policy covers the property where the incident happened? On a residential slip-and-fall, that's the homeowner's HO-3 — or the landlord's, depending on tenancy. On a retail slip-and-fall, that's commercial GL — and possibly a tenant's commercial GL on top of the landlord's. We map all of it.
Built for the firms that actually run premises liability cases.
What a premises liability policy search produces.
Questions plaintiff attorneys ask about Premises Liability searches.
What if the property is rented — whose policy applies?
Typically both. The landlord carries a landlord/dwelling policy on the structure, and the tenant may carry renters with liability. We map both, plus any umbrella sitting at landlord level.
Dog bite cases — do you search homeowners?
Yes. Most dog bites are covered under the homeowner's liability section of an HO-3, sometimes excluded by breed. We confirm the policy, the relevant exclusions, and any umbrella that may pick up the gap.
Negligent security — how do you find the operator's GL?
For hotels, apartments, and parking-lot incidents we identify the operating entity, its general liability carrier, and any excess layers — often two or three policies deep.
Every search runs under documented permissible purpose.
Insurance policy discovery sits at the intersection of GLBA §6802 / §6803, DPPA 18 U.S.C. §2721(b) permissible uses, and FCRA considerations. We document the basis on every file — and our investigator can testify to it.
Related practice areas
Need a premises liability policy search now?
Standard turnaround 4–72 hrs. Rush available same day. Operated by Miami Private Investigations · FDACS A1800135.