To have a property owner's insurance cover your injuries sustained on their property, you generally need to prove that the property owner was negligent in maintaining the property in a reasonably safe condition and that this negligence caused your injuries. To establish negligence, you typically need to prove the following elements:
Duty of Care: The property owner had a duty to maintain the property in a reasonably safe condition for visitors.
Breach of Duty: The property owner breached this duty by failing to take reasonable steps to address a known hazard or by failing to warn visitors of the hazard.
Causation: The property owner's breach of duty caused your injuries.
Damages: You suffered damages as a result of your injuries, such as medical expenses, lost wages, and pain and suffering.