An individual or organization in possession of property (i.e., the occupier) owes a duty of care to those who come onto the premisesBuilding including the land immediately surrounding it and belonging to it. More. The occupier must take reasonable care to protect others from harm that might result from programs on the premisesBuilding including the land immediately surrounding it and belonging to it. More or at the hands of a third partyA claimant under a liability policy, so called because he is not one of the two parties (insured and insurer) who has entered into the insurance contr... More on the premisesBuilding including the land immediately surrounding it and belonging to it. More. For example, an occupier should ensure that the building is safe by shovelling sidewalks in the winter.