Home›Cases We Fund›Premises Liability
The gate was broken for months. The stairwell light had been out since spring. The elevator dropped, the balcony gave way, the pool gate never latched, or the carbon monoxide alarm was never installed. Then you got hurt, and the property owner acted surprised. If you are approved, premises liability lawsuit funding puts cash in your hands now, while your attorney proves the danger was there long before you were. Fell on a floor instead? See our slip and fall page.
Here is what matters if we fund you and a judge decides the attack was not foreseeable, and your case ends right there. You keep every dollar we sent. We collect nothing. Non-recourse is the word for that. This is not a loan. Nobody pulls your credit, and no bill shows up every month. Repayment comes out of a recovery or it does not happen at all. You do need an attorney handling the claim for a share of the outcome.
No credit check. No monthly payments. No cost to apply. If your Premises Liability case does not recover, you owe us nothing and you keep what we advanced. You must have an attorney handling the claim on contingency.
After a shooting or an assault at your apartment complex, going back to that unit is not really an option. Most people move in with family or scramble to find a new lease. Both cost money right away. If it happened at a hotel, a bar, or a parking garage instead, you are still paying for new locks, for counseling, and for shifts you cannot work.
Then there is the question of who even owes the money. The owner points at the management company, the management company points at the security contractor, and the liability carrier argues its policy does not cover an assault at all. Sometimes that coverage fight turns into its own separate lawsuit. A carrier still arguing about whether it owes anything is in no rush. You are.
A negligent security case is built, not just filed. In most of these cases your attorney is working to show the property knew trouble was coming: years of police calls to that address, past incidents on site, work orders for the gate nobody fixed, and usually a security expert's site report. Records requests come back slowly and surveillance video can be gone in days. Funding is built to give that work the time it needs.
In California, pure comparative fault and the hospital-lien cap shape what you actually net — and the wait after you settle surprises almost everyone.
There are no receipts to submit and no restrictions on how you spend it, other than this: funding is for your living expenses, not for paying the costs of the litigation itself.
Never your credit, your income or your job history. Only the claim.
We look for what makes the attack foreseeable: police calls to that address, past robberies or shootings on the property, tenant complaints about the broken gate, and whether a judge has already refused to throw the case out.
Apartment, bar, and hotel liability policies often carry an assault and battery exclusion, or a low cap on assault claims. Big chains may route the claim through an outside administrator like Sedgwick or Gallagher Bassett instead of an insurer. We look for a second policy stacked above the first.
Owner, management company, security vendor, and the business leasing the space all point at each other. We want to see who was contractually responsible for the lighting, the gate, the elevator service, or the guard on duty that night.
Operative reports, wound care orders, burn clinic notes, and a scheduled follow-up surgery all carry weight. So does a treating counselor's chart if the attack left you unable to sleep or afraid to go home.
Tell us who you are, what happened and who represents you. No credit check, no bank statements, no employment history — the case is the application.
2 minutesWe request the case file from your law firm and handle the paperwork with their staff. Your attorney's involvement is a signature and a few documents — not hours of work.
Same dayOur underwriters look at liability, injuries, treatment and available insurance coverage to decide what your claim can support. Your credit score and income never enter into it.
24 hours (typical)You review a plain-English agreement that states exactly what you will owe at settlement. Sign it and funds go out the same day by direct deposit, wire, or in-person pickup.
Same dayWe do not need the whole investigation. Your attorney's office sends what it has: the complaint, the police report, your medical records, and whatever it has pulled on prior crime at that address. More of that history helps you, but a thin file early on is not an automatic no.
A decision typically comes back around 24 hours after that packet arrives. If it is approved and you sign, funding usually goes out the same day. Those are the usual timelines, not a guarantee. We are a direct funder, not a broker. We fund throughout the US, subject to state law and availability.
No, and it happens often. A negligent security claim is brought against the property, not against the person who attacked you, so an unsolved crime does not automatically close the door. That varies by state, and your lawyer is the one to ask.
What we look at is what the property knew before that night: prior incidents at that address, complaints about the broken gate, the stairwell light nobody replaced.
Those are all on this page: elevator and escalator injuries, balcony and stairway collapses, falling debris, pool drownings, apartment fires, and carbon monoxide from a bad furnace or water heater.
These claims usually add a defendant your attorney has to chase on its own track, like the elevator service company or the landlord's heating contractor. Each new party can restart discovery. If you fell on a floor, our slip and fall page fits better.
That is the assault and battery exclusion, and it shows up a lot in apartment, bar, and hotel policies. It does not always apply, and courts read these clauses differently from place to place, so ask your attorney how yours reads.
Even when the fight is real, other money may exist: a second policy above the first, separate coverage for the management company, or the security contractor's own insurance.
Sometimes. Cases for a child usually carry an extra step at the end, because a court often has to approve a minor's settlement before anything is paid out. Your attorney can explain how that works in your state.
That approval step adds time right when families are stretched thinnest. Otherwise we review the file the same way: what the property knew, what the gate or fence looked like, and what the records show.
That is one of the most common reasons people in these cases call us. Once money is sent, there is no restriction on how you spend it. A deposit and first month somewhere else, movers, new locks, a hotel while you look, counseling copays for you and your kids.
We do not ask for receipts, and we do not check your credit or your job.
Underwriting looks at the same things across every case type. If yours is not listed anywhere on this site, call or text and ask.
Apply in about two minutes. We contact your attorney, review the case, and if you're approved you can have funds the same day. No credit check, no monthly payments, and if you lose, you owe us nothing.