Many local incidents don’t happen in clearly marked “high-risk” areas. They happen where people naturally pass through—
- evenings when people are coming and going from shopping and dining areas
- parking lots and building entrances used by residents, employees, and visitors
- apartment complexes where foot traffic varies by time of day
- workplaces and transit-adjacent routes where entrances and access points are shared
When an incident occurs in one of these everyday settings, insurers often argue the harm was unpredictable. The difference in a strong case is showing that the risk was noticeable enough that reasonable security measures should have been in place.


