Premises Liability Settlement Calculator

What this premises liability settlement calculator does

This calculator gives a rough educational estimate of potential settlement value for premises liability claims, such as slip and fall accidents, injuries from unsafe stairs or walkways, falling merchandise, or harm caused by negligent security on someone else’s property.

It is designed for people who have already added up their economic losses and want to see how those hard costs might translate into a possible settlement range, assuming some level of pain and suffering and other non-economic damages.

What is premises liability?

Premises liability is the area of personal injury law that holds property owners and occupiers responsible when unsafe or poorly maintained property conditions cause injuries. Depending on your state, owners, tenants, property managers, and sometimes security contractors can all be potential defendants.

Common examples of premises liability incidents include:

• Slip and fall accidents on wet floors, ice, snow, or spills that were not cleaned up or warned about
• Trip and fall accidents on broken sidewalks, loose carpeting, potholes, or cluttered walkways
• Injuries from inadequate lighting, broken handrails, or unsafe stairways and steps
• Falling objects, such as merchandise falling from store shelves or ceiling materials coming loose
• Inadequate security leading to assaults, robberies, or other violent crime on the property
• Swimming pool accidents, unsafe decks or balconies, and poorly maintained common areas in apartments

Liability generally depends on whether the person or company responsible for the property knew or reasonably should have known about a hazardous condition and failed to fix it or warn visitors in time.

Key components of a premises liability settlement

Most premises liability settlements combine different categories of damages. At a high level, these include:

• Medical expenses: Emergency care, doctor visits, surgery, hospital stays, physical therapy, prescriptions, and medical devices.
• Future medical care: Ongoing treatment, rehab, or surgeries expected in the future because of the injury.
• Lost wages: Income you lost while you were unable to work due to the injury.
• Loss of earning capacity: If the injury permanently reduces your ability to earn income.
• Pain and suffering: Physical pain, discomfort, and the impact on your daily activities and enjoyment of life.
• Other out-of-pocket costs: Transportation to medical appointments, home modifications, or help with daily tasks you can no longer do yourself.

The calculator asks you to provide a single combined figure for your economic damages (medical bills, lost income, and other out-of-pocket costs). It then applies a conceptual multiplier to approximate a total settlement value range that includes pain and suffering.

How the settlement estimate is conceptually calculated

While the exact internal logic of the tool may vary, a common way to think about premises liability settlement values is:

1. Start with total economic damages (medical bills, documented wage loss, and related costs).
2. Apply a multiplier based on injury severity, recovery time, and impact on your life.
3. Adjust up or down for factors like dispute over liability, comparative fault, or policy limits.

In simplified form, that relationship can be expressed as:

Where:

• S = rough total settlement estimate
• E = total economic damages you enter into the calculator
• M = a pain-and-suffering multiplier that reflects injury severity and other case factors

For relatively minor injuries with a full recovery, M might be closer to 1.0–2.0. For more serious or long-lasting injuries, it can be higher. The calculator uses a reasonable range and displays an approximate output, not a precise valuation.

How to use the calculator

1. Add up your past medical bills related to the premises injury (including what insurance paid).
2. Add estimated future medical costs, if you have them from a doctor or treatment plan.
3. Include lost wages and other documented economic losses if you want a broader estimate.
4. Enter the combined amount into the input field and run the calculation.

The output can help you understand the rough scale of potential settlement discussions based on the economic losses you have identified.

Interpreting your results

The number you see should be viewed as a broad, educational estimate only. It is not a guarantee of what an insurance company or jury will offer in your specific premises liability case.

In general:

• Lower estimates may suggest relatively minor injuries, low medical costs, or disputed liability.
• Higher estimates may be consistent with more serious injuries, longer recovery time, or clearer evidence that the property owner or occupier was negligent.

Two people with similar medical bills can still have very different settlement outcomes based on liability disputes, local law, comparative negligence, insurance limits, and the credibility of each side’s evidence.

Premises liability vs. other injury cases

Premises liability claims share many features with other personal injury cases but also have some unique aspects, especially around proof of hazardous conditions and notice to the property owner. The table below highlights a few high-level differences.

Assumptions, limitations, and important disclaimers

This calculator is a simplified educational tool. It relies on several assumptions that may not match your situation, including:

• That liability can be established against at least one property owner, tenant, or manager.
• That your economic damages estimate is reasonably accurate and supported by documentation.
• That your jurisdiction allows compensation for pain and suffering and other non-economic damages.
• That there is sufficient insurance coverage or collectable assets to pay a settlement.

Important limitations:

• The calculator does not account for your share of fault (comparative or contributory negligence).
• It does not adjust for state-specific damage caps or unique procedural rules.
• It cannot evaluate the strength of your evidence, witness credibility, or how a jury might react.
• Results are not individualized legal, financial, or insurance advice.

Using this tool does not create an attorney–client relationship. For advice on your specific premises liability claim, talk with a qualified personal injury lawyer in your state.

Next steps after a premises injury

If you were hurt on someone else’s property, consider the following practical steps:

• Seek medical care immediately and follow your treatment plan.
• Report the incident to the property owner, manager, or store as soon as possible.
• Take photos or video of the hazard, your injuries, and the surrounding area if you can do so safely.
• Collect names and contact information for any witnesses.
• Keep copies of medical records, bills, pay stubs, and correspondence from insurers.
• Consult a premises liability attorney to evaluate your rights, deadlines, and potential case value.

You can use the number from this calculator as one data point to discuss with counsel, but a lawyer can provide a case-specific evaluation that accounts for the facts, law, and insurance coverage involved.

Using this tool responsibly

Settlement negotiations are inherently uncertain. This premises liability settlement calculator is best used as a starting point to frame expectations and questions, not as a prediction of what you will recover. Always rely on professional legal advice when making decisions about accepting a settlement offer or filing a lawsuit.