Duty Of Reasonable Care

Under Illinois law, the insureds, as the premises owner and premise occupier, owed a duty to the plaintiff to use reasonable care under the circumstances regarding the state of the premises. The duty of reasonable care under the circumstances which an owner or occupier of land owes to authorized entrants does not include any of the following: a duty to warn of or otherwise take reasonable steps to protect such entrants from conditions on the premises that are known to the entrant, are open and obvious, or can reasonably be expected to be discovered by the entrant.

In this case, the insureds owed a duty of care to provide sufficient lighting for the exterior stairs. Based on the information we have at this time, it would appear the insureds