Premises liability is one of the oldest concepts in civil law. In its shortest version, the theory is that property owners and occupants have enforceable legal duties to protect the life and safety of visitors. What this means in practical terms is that a customer who suffers an injury at a business, a person who gets hurt while attending a house party, or an amusement park visitor who suffers an injury may have grounds for filing a premises liability insurance claim or lawsuit. Succeeding with a premises liability claim requires the injured person to show that the property owner or occupant knew or should have known that a danger existed and did not take appropriate actions to remove or minimize that danger.