It is essential for business and commercial property owners to have a three-pronged approach to these claims. : Forbes CommunityVoice™ allows professional fee-based membership groups ("communities") to connect directly with the Forbes audience by enabling them to create content – and participate in the conversation – on the Forbes digital publishing platform. Each topic-based CommunityVoice™ is produced and managed by the group. When it comes to premises liability claims, in general, the onus is on a business or property owner to ensure reasonable care of the premises.