What is Premises Liability?

Premises liability is a type of personal injury law that holds property owners and occupiers accountable when unsafe conditions cause injuries. Whether you’re shopping at a grocery store, walking through a parking garage, or visiting a friend’s apartment, you have the right to reasonably safe conditions. When owners fail in that duty, they may be held financially responsible for your medical bills, lost wages, and pain and suffering.

In most premises liability cases, the liability will vary depending on the injured person’s classification:

  • Invitee: A customer or business guest owed the highest duty of care.
  • Licensee: A social guest owed a reasonable duty of care.
  • Trespasser: Limited protections apply, but owners cannot intentionally cause harm.

Understanding Premises Liability Laws in Missouri & Illinois

Missouri and Illinois laws both recognize that property owners must take reasonable steps to protect visitors, though the specific rules differ.

Missouri Premises Liability Law

In general, property owners are required to exercise a “duty of care” to prevent injuries to visitors, but how much of that duty is owed depends on a visitor’s status (invitee, licensee, or trespasser). Invitees, like customers, require the highest duty of care. Licensees, including social guests, require a “duty to warn.” Duty of care is very limited for trespassers.

Under Missouri law (RSMo 537.347), landowners are generally not responsible for injuries if they allow people to use their property for recreational purposes without charging a fee. This means that if someone is injured while hiking, fishing, hunting, or using land for another type of recreation, the property owner usually cannot be held liable, unless there was extreme negligence or intentional harm involved.

However, if you were injured on private or commercial property where the owner:

  • Charged you to use the land or facility,
  • Knew about a dangerous condition and failed to fix it, or
  • Acted recklessly in a way that put you at risk,

Then you may still have a valid premises liability claim.

Our attorneys can review the circumstances of your accident and determine whether Missouri’s recreational use law applies in your case.

Illinois Premises Liability Law

Illinois’ Premises Liability Act (740 ILCS 130) sets the standard for how property owners and occupiers must keep their property safe for visitors.

Unlike Missouri, Illinois no longer makes a distinction between “invitees” and “licensees.” Instead, all lawful visitors are owed a duty of “reasonable care” under the circumstances.

In practical terms, this means property owners in Illinois must:

  • Keep their property reasonably safe,
  • Repair or remove dangerous conditions they know about, and
  • Take reasonable steps to prevent foreseeable injuries.

However, the law also makes clear that property owners are not automatically responsible for every accident. For example, they generally do not have to:

  • Warn about dangers that are obvious or already known to the visitor,
  • Warn about hidden dangers that they themselves didn’t know about, or
  • Protect visitors from misusing the property in unsafe ways.

When it comes to trespassers, Illinois law still provides minimal protection. Landowners usually only have to avoid willful or wanton conduct that could intentionally harm a trespasser.

Our attorneys can review your unique situation, explain how the law applies, and fight to recover the compensation you deserve.

Common Types of Premises Liability Cases

Premises liability covers a wide range of unsafe property conditions, including:

  • Slip & Fall Accidents: Wet floors, icy sidewalks, loose carpeting, and uneven surfaces are frequent causes of slip and fall injuries. Property owners have a duty to warn about these hazards, and when they fail to do so, victims may suffer broken bones, head trauma, or other serious injuries.
  • Trip & Fall Hazards: Poorly maintained sidewalks, cluttered aisles, or exposed cords can cause someone to trip unexpectedly. While these incidents may sound minor, they often lead to long-term injuries that disrupt daily life and work.
  • Inadequate Security: Property owners must provide reasonable security measures, especially in places like apartment complexes, parking garages, or entertainment venues. When they neglect to install proper lighting, surveillance, or security staff, victims can be left vulnerable to crimes such as assault or robbery.
  • Dog Bites & Animal Attacks: Pet owners and property owners are responsible for ensuring animals on their property do not harm others. If you’re bitten by a dog or attacked by another animal, you may be entitled to compensation for medical care, scarring, and emotional trauma.
  • Dangerous Conditions on the Property: Hidden hazards like broken stairways, faulty elevators, defective railings, or unsafe construction zones can all cause severe injuries. Property owners are expected to repair or warn visitors of these dangers to keep the premises reasonably safe.
  • Swimming Pool Accidents: Swimming pools present unique risks, including drowning, chemical exposure, and slip hazards around the deck. Pool owners must follow safety regulations and take steps to prevent accidents, especially when children are involved.

These are just a few examples of premises liability claims. Each case is different, and the details matter, which is why consulting with an experienced attorney can help you understand whether the property owner may be held accountable for your injuries.

Who Can Be Held Liable?

Depending on the circumstances of your injury, responsibility may fall on one or more parties, including:

  • Private property owners
  • Commercial business owners
  • Property managers or landlords
  • Government agencies (with specific filing rules)

Choose Simon Law for Your Premises Liability Case

When you’ve been hurt because of unsafe conditions, you need an advocate who knows how to hold negligent property owners accountable.

Decades of Experience in St. Louis Injury Law

Our attorneys have secured significant results for clients across Missouri and Illinois. We understand how to investigate premises liability cases, prove negligence, and fight for maximum compensation.

Personalized, Aggressive Legal Representation

No two cases are alike. We tailor our strategy to your unique situation, combining aggressive advocacy with compassionate client support. As a contingency fee law firm, you never pay out of pocket to pursue your claim.

Missouri Bar Foundation

Free Consultations & Case Evaluations

We offer free, no-obligation consultations to review your case. Our team will provide an honest assessment of your legal options and answer any questions you may have.

Compensation You May Be Entitled To

Types of Damages in Premises Liability Claims

If your claim is successful, you may be able to recover compensation for:

  • Medical Expenses: Hospital bills, rehabilitation, physical therapy, and future medical care
  • Lost Wages & Diminished Earning Capacity: Income lost while recovering, plus long-term financial impact if you cannot return to work
  • Pain & Suffering: Physical discomfort and ongoing limitations from your injuries
  • Emotional Distress: Anxiety, depression, PTSD, or other psychological effects of your accident
  • Property Damage (if applicable): Replacement costs for personal items damaged in the incident

Factors That Affect Case Value

Every case is unique, and the value of your claim will depend on several key factors, including:

  • Severity of Injury: Catastrophic injuries generally result in higher compensation
  • Degree of Negligence: The clearer the property owner’s fault, the stronger your case
  • Insurance Coverage Available: Limits of liability insurance can affect potential recovery
  • Pre-existing Conditions: These may complicate your case but do not prevent recovery if the accident worsened your condition

Steps to Take After an Injury on Someone Else’s Property

Taking the right steps immediately after an accident can strengthen your case.

Prioritize Medical Attention

Seek treatment right away and follow your doctor’s orders. Medical records are critical evidence in your claim.

Document the Scene

Take photos or videos of the hazardous condition, gather witness information, and save any physical evidence.

Report the Incident

Notify the property owner, landlord, or business manager, and request a written incident report if available.

Contact a St. Louis Premises Liability Lawyer

The sooner you reach out, the better. Acting quickly helps preserve evidence and gives your attorney more time to build a strong case.

Common Questions About Premises Liability

What Qualifies as a Premises Liability Case?

Any situation where you’re injured because a property owner failed to maintain safe conditions may qualify. Examples include slips and falls, dog bites, unsafe walkways, or inadequate security.

How Long Do I Have to File a Claim in Missouri or Illinois?

In Missouri, you generally have five years from the date of the injury to file a personal injury claim. In Illinois, the statute of limitations is two years. Exceptions may apply, especially in cases involving government entities.

Can I Sue if I Was Partially At Fault for the Accident?

Yes. Missouri follows a pure comparative fault rule, meaning you can recover damages even if you were partly responsible, though your compensation may be reduced by your percentage of fault. Illinois follows a modified comparative fault system, barring recovery if you are more than 50% at fault.

Meet Our Dedicated Team of Attorneys

When you need qualified and reliable guidance, you know where to turn. Simon Law is ready to listen to your story and review the complex aspects of your case.

Get Legal Help from a St. Louis Premise Liability Attorney Today

If you’ve been injured on someone else’s property, don’t wait to get the legal help you deserve. The attorneys at Simon Law are ready to fight for your rights and pursue maximum compensation. Contact us today for a free consultation.