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Premises liability in the residential construction industry

For many Louisiana residents, buying a home is one of the most exciting chapters in life. Most homeowners want to ensure their future residence is safe and secure before closing, just like most contractors want the building experience to proceed in the same manner. For professional residential builders, premises liability is typically a major concern in and around their varied work sites.

All homeowners typically need to think about insurance as they get closer to their closing date. For professional residential builders, though, insurance - and keeping property safe - is a major concern. According to the Louisiana Homebuilder's Association, there are several requirements professional home builders must meet in order to avoid potential premises liability problems. For example, pro residential builders who are working on projects over $75,000 must not only be licensed but also have two types of insurance: workers' comp and general liability insurance at a minimum of $100,000.

Homebuilders who do not maintain general liability insurance and workers' compensation can find themselves in serious legal trouble. On any construction site, there are countless dangers, from falling debris to moving parts that can tear a limb to any number of other hazardous conditions. Builders can benefit from ensuring neither their workers nor anyone else experiences dangerous property conditions on a build. Those who have been hurt may seek legal advice from a Louisiana premises liability attorney.

January is an important time of year for residential home builders in Louisiana, as all licenses for practicing contracting in the state expire each December 31. Thus, now is a great time to prioritize safety and ensure sound property conditions are maintained throughout the year.

Source: Louisiana Homebuilder's Association, "Frequently Asked Questions," accessed Jan. 23, 2016

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