“So especially in situations where the activity is much higher risk than someone just knocking on your door and delivering mail — something like people launching a boat and then injuring themselves — they could be held liable,” Karageorgos explained.

Karageorgos added that before insuring properties like John’s, insurers would typically require property owners to reduce their risk, such as by limiting access through a gate or controlling who can come in and out.

The IBC director warned that there are many personal injury lawyers looking to exploit such liability issues.

“One just needs to look around and see the amount of advertisements from injury lawyers who promise, if you’ve been hurt, you know, we’ll get you the money,” he told Sudbury.com. “They make it appear as though [getting hurt] is like winning the lottery, right? So obviously people need to be concerned about having a boat launch on your property that’s publicly available or accessible.”

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