Slip & Fall Season: How to Safeguard Your Business
Understanding Your Exposure
As the weather changes, the risk of slips and falls in commercial settings increases significantly. Such incidents are some of the most common — and preventable — injuries businesses face. Wet floors, poor lighting, and uneven or icy walkways are typical causes that can quickly lead to significant liability claims or lawsuits. Recognizing these hazards as more than minor inconveniences is crucial in understanding your exposure.
Plan Your Slip-and-Fall Prevention
Implementing a comprehensive slip-and-fall prevention plan is essential. Conduct regular walk-throughs, maintain clear signage, and address repairs swiftly. Seasonal tasks such as preparing for snow and ice are also vital. By framing this plan as both a safety measure and a liability shield, you protect your business from potential claims.
Know What Your Insurance Covers
Understanding your insurance coverage is key. General liability insurance generally covers customer or visitor injuries, while workers' compensation is for employee injuries. Commercial property insurance protects against property damage, and umbrella policies offer coverage beyond basic limits. For example, if a visitor slips on icy stairs, general liability insurance may cover the medical costs and legal fees.
Document Everything
Documentation is your best defense. Keep detailed logs, take photos, and store surveillance footage to guard against false claims and prove your due diligence. In the event of a claim, this documentation is critical in supporting your defense and showing that you took necessary precautions.
Train Your Team
Train your employees to spot potential hazards and handle accidents effectively. Emphasize the importance of documentation and a quick response as integral parts of a liability defense. A well-trained team is an essential component of preventing incidents and minimizing liability.
Don’t Wait Until Something Happens
Proactive planning and a review of your insurance coverage should be done before accidents occur. By having comprehensive protection in place, you’re better prepared to handle unforeseen incidents. Slip-and-fall season isn't just about icy sidewalks—it's a call to action. These simple, proactive steps today can prevent costly consequences tomorrow.
Reach out to your insurance advisor to review or strengthen your current liability coverage. Taking preventive measures now is not only prudent but a crucial step in ensuring your business's safety and financial health.