Is slippery stairs considered a peril in insurance terms?

In the context of insurance, a peril refers to a specific risk or cause of loss covered by an insurance policy. Slippery stairs, while potentially dangerous and capable of causing accidents, are typically not classified as a peril in insurance terms because they do not represent a specific, identifiable event like fire, theft, or vandalism, which are commonly covered perils.

Insurance policies are designed to cover risks that result from sudden or accidental incidents rather than ongoing conditions that may lead to an accident. Slippery stairs would generally be seen as a maintenance issue or a hazard that the property owner is responsible for addressing, rather than a standalone peril that would trigger coverage under most policies.

In liability contexts, the situation might differ slightly, as an injured party could claim that the property owner failed to maintain safe premises. However, this relates more to negligence than to an insurable peril.

Thus, slippery stairs are usually not considered a peril in insurance terms, which supports the conclusion reached in the answer provided.