tenant slips on ice - now what?

[Todd M.]

Happy New Year. Well, a fear of mine happened today.

Tenant called and said they slipped on ice outside my four-plex and needed to go to emergency room. Cracked knee cap and ligament damage.

Says to me- "I'm not planning to come after you because you're a nice guy. Just drop off a shovel so I can clear things now and again."

Now, I clear snow personally if it snows over 1.5 inches. And I left a 50 lb bag of melting salt in the utility room of the place.

I own this place in my name (no LLC or S-Corp). Insurance: have business liability coverage ($500,000) and personal umbrella liability policy of $1 million as well.

Thoughts? Suggestions? Prayers?