Property that doesn’t have land attached can be a premises too. In the case of condos, each unit could be a single premises, especially in the context of the owner’s condo insurance policy. But, when looking at the condo building’s master policy, the entire building might be called the premises, too.

TASERS, also called "electrical control devices," have been used by law enforcement since the mid-1970s, with the intention to help subdue resistant suspects without physical contact or the use of firearms.

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The current -- either direct, DC, or alternating, AC -- is the rate at which electrons going down a wire travel per second. Alternating current is what is typically used in wall sockets and it's more dangerous, according to the Journal of the American Medical Association, causing more extreme muscle contraction.

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Basically, as a homeowner or renter, you’re responsible for making your home reasonably safe for visitors. That means taking basic precautions like salting icy steps or replacing wobbly railings. Not doing so can be considered negligence.

It’s not just any piece of land, though. A premises is a piece of land that’s recognized in some official capacity and has specific boundaries. Think of a piece of real estate, like a house sitting on a city lot. That lot, including the building on it, is the premises.

Personal liability coverage helps protect you when you’re liable for damages due to your actions. But premises liability is different; it protects you when you’re liable because of your home.

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Anything else that’s fixed to the property, like outbuildings, gazebos, or pools, would be considered part of the premises as well. Moveable stuff, like furniture or people, would be on the premises, but not part of it.

Of course, police officers and medical personal should assess subjects subdued by a TASER for injuries. Existing medical or psychiatric conditions and the use of alcohol or drugs in the suspect may lead to behavior or reactions after the use of the TASER that need medical evaluation.

If someone slips and falls at your home, you could be held liable for their injuries even if you didn’t actually do anything. Failing to act reasonably—like not clearing away toys and laundry before the carpet cleaner arrives—can still result in injuries and potential litigation. Premises liability helps defend you in any resulting lawsuits, and cover compensatory damages awarded against you.

Premise meaning

Serious injuries represent less than one percent of injuries from TASERs, as noted in a 2009 study published in the Annals of Emergency Medicine that looked at more than 1,200 uses of conducted electrical weapons by law enforcement officers against criminal suspects.

Especially

First, it’s important because home insurance policies cover a home at one specific address. The policy will define the premises, and which things on that premises are covered.

When you buy a home insurance policy, it’s for a specific address, whether that’s a house, townhouse, condo, or apartment. Everything within the property lines (or within the unit) of that address is the premises.

A taser is a battery-powered, handheld device which delivers a short, low-energy electrical pulse. Two electrode wires are attached to the gun's electrical circuit. Pulling the trigger breaks open a compressed gas cartridge inside the gun and flings the electrodes into contact with a body and a charge flows into the muscles.

For people without heart isssue, the electrical discharges of the TASER device are too short to affect the heart muscle or cause abnormal heart rhythms. Even for those with heart conditions, the proper use of the device does not appear to cause issues. One of the first study of TASERs on humans, published by the Academy of Emergency Medicine in 2006, looked at their effect on individuals with a known heart disease or diabetes. The study participants were shot in the back with a TASER and researchers measured blood markers of heart damage and did a test called an EKG, or electrocardiogram. They did not find any negative effects.

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Complications related to the brain or nervous system are rare, but do occur, including loss of consciousness, seizures, abnormal brain activity and confusion. This is more likely to occur if a subject is shot at a close distance or directly to the head, which is not usually the case since those are not the recommended targets. The probability of causing a seizure is very low.

Moveable property, on the other hand, is normally covered even while it’s off-premises. There is one condition, however: It needs to be temporarily off-premises, like when you take some of your things with you on vacation. If it’s been permanently removed from the premises that coverage would no longer apply. For example, if you store some things up at your cottage, they’d be considered “permanently removed” and likely wouldn’t have coverage under your main policy—though they might have coverage under the cottage’s policy as they’re on that premises, instead.

The taser delivers 19 short pulses per second over 5 seconds, with an average current of 2 milliamps, according to TASER manufacturer Axon. It creates an electric field, which stimulates nerve cells called alpha motor neurons to send an electrical impulse. The impulse travels to muscles and causes short, sustained muscle contractions.

For example, a current applied to the arm will be reduced to .001 percent of the original signal by the time it reaches the heart. TASERs have a 2 milliamp current and it takes at least 1,000 milliamps -- 1 amp -- to injure muscles, nerves and the heart. Higher amps, starting at 10,000 milliamps or 10 amps, cause the heart to stop and produce severe burns, according to the U.S. Centers for Disease Control and Prevention.

Purpose

On skin, the most common affects are superficial burns or small puncture wounds, caused by the metal probes that deliver the current not being immediately pulled off after a person has been tased. Scrapes are often seen across the skin surface because the person shocked by the TASER my convulse uncontrollably.

TASERs cause muscle contractions, but do not appear to trigger the release of the muscle enzyme associated with muscle cell damage -- creatine kinase. If levels of that enzyme are high, it causes a condition called rhabdomyolysis, which can lead to kidney failure. Current research has shown that the muscle contractions induced by the TASER cause a small increase in CK, but do not appear to pose a direct risk for rhabdomylosis, according to a review of research by Forensic Science International.

In addition to covering the main building on the premises (the house), most home insurance policies also cover detached structures on the premises—or at least let customers choose to add such coverage. Sheds, patios, gazebos, and all sorts of other structures can be covered if they’re part of the premises. But, if you built a dock over at your favourite fishing lake, your home insurance policy wouldn’t cover it.

The taser has two modes: the first, pulse mode, causes neuromuscular incapacitation as the neural signals that control muscles become uncoordinated, and muscles contract at random. The second mode, drive-stun, uses pain to get compliance.

Note that “premises” is both the singular and plural version of the word. A single home is still a premises, not a premise.

Considerably

A co-founder of Square One with 25 years of experience in the insurance industry, Daniel was previously vice president of the insurance and travel divisions at the British Columbia Automobile Association. Daniel has a bachelor of commerce and a Master of Business Administration (MBA) from the Sauder School of Business at the University of British Columbia. He holds a Canadian Accredited Insurance Broker (CAIB) designation and a general insurance license level 3 in BC, Alberta, Saskatchewan, Manitoba and Ontario.

The widespread use of ECDs, with more than a 1,070 estimated worldwide uses per day, as reported by TASER manufacturer Axon, has led many to wonder: What happens to the human body after being tased?

However, TASER currents don’t reach the heart. Humans have protective mechanisms: The skin, which provides high resistance to electricity, and soft tissue, which surrounds muscles and organs like the heart, also reduce the current.

Even when you take precautions, accidents can happen. Home insurance is one way to protect your family against financial losses from accidents. And, home insurance can start from as little as $12/month.

An ampere, or amp, is the unit used to measure current. A small current -- 200 microamps –- applied directly to the heart can cause a fatal rhythm called ventricular fibrillation.