Property owners' duty to maintain safe premises: Lessons for property owners and liability insurers

​​The recent decision of the Western Cape High Court in O.S.N obo R.J v Chilwan (8617/2019) [2026] ZAWCHC 448 (25 August 2026) (Chilwan) serves as a reminder of the legal duties resting on property owners to maintain safe premises, and the delictual consequences that may follow where they fail to do so.

The plaintiff and her minor son were tenants at premises owned and controlled by the defendant. On 19 September 2017, the child was injured when the gate, which operated horizontally on a track, became dislodged and toppled over onto him. The child sustained severe head injuries and a fracture to the shaft of the right femur.

The plaintiff alleged that the defendant failed to install adequate safety mechanisms to prevent the gate from derailing. The defendant denied this, contending that the gate was safely fitted, safe and in proper working order, and that the incident resulted from the manner in which it was closed. He further contended that the child’s mother was herself negligent in allowing the child to close the gate and in failing to supervise him.

The court rejected the defences raised and found the property owner wrongfully and negligently liable for the child’s injuries. It confirmed that a property owner owes a legal duty to take reasonable precautions to protect persons whose presence is reasonably foreseeable from foreseeable risks of injury. The court held that negligence is established where a reasonable person in the defendant's position would have foreseen the reasonable possibility of harm and would have taken reasonable steps to guard against it. The defendant failed to do so. What constitutes reasonable steps depends on the degree of risk, the gravity of the potential consequences, the utility of the conduct and the burden of eliminating the risk.

The plaintiff's engineering expert concluded that the gate lacked critical stabilising features and that its size, weight and manual operation increased the foreseeable risk of derailment.

The court found the plaintiff's witnesses credible, noting their consistent accounts and absence of any interest in the outcome. The defendant was unable to support his central averment that a stopper was fitted at the time of the incident, conceding under cross-examination that only a bracket was in place. The court found the defendant's repeated refusal to acknowledge that a stopper and fixed upright pole constituted necessary safety mechanisms indicative of a recalcitrant attitude and held that his version was materially undermined by his own evidence.

Applying the res ipsa loquitur maxim, the court held that the derailment and collapse of the gate, coupled with the absence of adequate safety mechanisms, justified an inference of negligence. The defendant should have foreseen the possibility of harm to persons using the gate and should have taken steps to guard against it; his failure to do so constituted negligence and his omission was causally linked to the child’s injuries.

Chilwan reaffirms the positive duty on property owners to ensure that premises under their control are reasonably safe, and that where safety mechanisms are absent or inadequate, delictual liability may follow. It also illustrates the importance of being able to demonstrate what was done before the accident to identify, assess and mitigate foreseeable risk.

The takeaway from Chilwan is that an “accident” does not mean “unforeseeable”. Where a risk is inherent in the way property or equipment is designed, installed or maintained, a court may ask whether reasonable precautions could have prevented the harm. For liability insurers, the quality of the insured’s risk-management evidence may become as important as the insured’s version of how the accident happened.

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