Premises Liability Funding in Massachusetts

Massachusetts Premises Liability Funding

Pre-settlement funding for Massachusetts premises liability claims. Mounsey v. Ellard's unified duty rule and mandatory 12% pre-judgment interest explained.

Non-recourse funding is repaid only from a settlement or award. Independent capital providers set the terms.

Bills do not wait for your case.

Rent, medical bills and living costs keep arriving while a case moves through the court. An advance against a pending case can cover them and is repaid only if the case produces a recovery.

Massachusetts law and funding terms: Premises Liability Funding

The Massachusetts rules that shape this claim

The rules below shape how a Massachusetts premises liability funding claim is underwritten and how quickly it can move toward resolution.

Statute of Limitations

Three years from the date of injury for a negligence claim (Mass. Gen. Laws ch. 260, § 2A).

Comparative Fault Rule

Massachusetts applies modified comparative negligence with a 51% bar (Mass. Gen. Laws ch. 231, § 85). Massachusetts abolished the rigid invitee/licensee distinction through case law, not by the statute sometimes cited for this point: Mounsey v. Ellard, 363 Mass. 693, 297 N.E.2d 43 (1973), merged the two categories and imposed a single duty of reasonable care under all the circumstances on a property owner toward anyone lawfully on the premises, regardless of whether they were there as a business invitee or a social guest. Trespassers generally remain a separate, lesser-duty category, subject to a specific statutory exception for child trespassers and artificial conditions (Mass. Gen. Laws ch. 231, § 85Q). For negligent security specifically, Massachusetts courts have been comparatively cautious about extending an affirmative duty: Whittaker v. Saraceno, 418 Mass. 196, 635 N.E.2d 1185 (1994), held that a landlord does not generally owe tenants or their guests a duty to protect against the criminal acts of third parties merely by virtue of the landlord-tenant relationship, absent a specific undertaking, a heightened relationship, or particular knowledge of the danger.

Damages Caps

No general statutory cap on economic or non-economic damages in an ordinary premises-liability claim.

Pre-Judgment Interest

Mandatory at 12% per year from the date the cause of action arose, under Mass. Gen. Laws ch. 231, § 6B — a notably higher and more certain rate than most other states, which do not award pre-judgment interest on unliquidated tort damages at all.

Venue

Proper in the county where the defendant resides or where the claim arose (Mass. Gen. Laws ch. 223, § 1).

Funding-Specific Statute

Massachusetts has no dedicated consumer litigation funding statute. No statutory cap.

State law

How Massachusetts regulates consumer legal funding

Statute
Massachusetts has no dedicated consumer litigation funding statute.
Rate or fee limit
No statutory cap. Massachusetts has no enacted consumer litigation funding statute; a pending bill (S.680) would create a 36% annual charge cap, but it has not passed.
Disclosure
None required by statute.

Reviewed September 17, 2026. Legal information, not legal advice.

Terms

How terms are set for Massachusetts plaintiffs

Rates and terms are set by the capital provider and written in the provider’s agreement before signing.

Term
How it works
Decision
Made by the independent capital provider, not by Criterica Capital
Advance size
Set by the capital provider
Pricing
Set by the capital provider and written in its agreement before signing
Repayment
Non-recourse funding is repaid only from a recovery. The provider’s agreement states the terms.
Typical timeline

Because Whittaker sets a comparatively demanding standard for an affirmative security duty, a Massachusetts negligent-security claim often requires developing specific evidence of a prior undertaking, a heightened relationship, or particularized knowledge of danger — a more targeted but sometimes harder-to-assemble record than a general area-crime showing — which can extend the investigation and discovery timeline relative to a straightforward structural-defect claim.

How Massachusetts law affects funding this claim

What did Mounsey v. Ellard actually change, and what does an "abolished by statute" framing get wrong?

Mounsey v. Ellard is a 1973 Massachusetts Supreme Judicial Court decision, not a statute — it merged the licensee and invitee categories into a single reasonable-care duty. The statute sometimes associated with this point, ch. 231, § 85Q, actually addresses a landowner's liability to child trespassers for artificial conditions, a related but separate doctrine.

The practical effect for a funding evaluation is the same either way: a business invitee and a social guest are owed the same duty of reasonable care in Massachusetts, so the visitor's precise reason for being on the property matters less than in a state that still separates those two categories, though trespassers generally remain a distinct, lower-duty category outside the child-trespasser exception.

Why is Whittaker v. Saraceno a more demanding standard than some other states' negligent security rules?

Whittaker held that a landlord does not automatically owe a duty to protect against third-party crime simply by virtue of the landlord-tenant relationship — Massachusetts requires a specific undertaking, a heightened relationship, or particular knowledge of the danger.

That makes evidence of a specific prior threat, a security measure the landlord previously promised or provided and then withdrew, or direct notice of a dangerous individual or pattern more valuable in Massachusetts than the kind of general area-crime evidence that can support a claim in a state like New Jersey.

How does mandatory 12% pre-judgment interest affect a Massachusetts claim's timeline incentives?

Because interest accrues automatically at 12% per year from the date the claim arose, both sides face a compounding, predictable cost tied directly to how long the case remains unresolved.

This is a materially higher and more certain rate than most states, which award no pre-judgment interest on unliquidated tort damages at all, and it applies regardless of how fact-intensive the underlying negligent-security investigation turns out to be.

FAQ

Premises Liability Funding questions in Massachusetts

Sources & references

Mass. Gen. Laws ch. 260, § 2A · Mass. Gen. Laws ch. 231, § 85 · Mounsey v. Ellard, 363 Mass. 693, 297 N.E.2d 43 (1973) · Mass. Gen. Laws ch. 231, § 85Q · Whittaker v. Saraceno, 418 Mass. 196, 635 N.E.2d 1185 (1994) · Mass. Gen. Laws ch. 231, § 6B · Mass. Gen. Laws ch. 223, § 1

Reviewed September 17, 2026. Legal information, not legal advice.

Pre-settlement funding is a non-recourse purchase of a portion of the proceeds of a pending legal claim — not a loan. If the case does not result in a recovery, nothing is owed. Rates, fees, and repayment terms are disclosed in full in the funding agreement, which the applicant’s attorney reviews before signing. Availability and terms vary by state.

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