A holiday-season fall can be either — or both:

• Premises liability applies when a dangerous condition on someone’s property caused or contributed to the fall (ice, uneven ground, poorly maintained surfaces, unsafe access points).
• Product liability applies if the ladder, light clips, or other equipment failed because of a defect in design, manufacturing, or warnings.

If you still have the ladder, do not throw it away. Store it safely, take photos from all angles, and document any broken components. We evaluate both theories so you receive the full compensation available under Michigan law.