a)Apparently, it is a real bad day being experienced at your ski resort: Later in the day a patron slips and falls and breaks a leg while walking on the wet floor in one of the resort restaurants. Which specific type of commercial liability insurance in the U.S would you need to possess in order to provide coverage for this accident? What would be the limitations and advantages / disadvantages of this coverage?
b) Imagine that you own and operate a New Hampshire Ski Resort. During this busy weekend, you receive a call from one of the resort restaurant managers who informs you that, in a freak accident, a wall oven fell on top of a kitchen worker causing her serious injury. You are told that the injured worker has been transported via ambulance to the local hospital.
1) What liability does your company have for this accident?
2) What limitations apply to your firm's liability?
3) What exclusions in your firm's employer's liability would apply?