As autumn leaves fall and winter weather starts to take hold, business owners must brace for the inevitable slip-and-fall season. The changing weather increases the likelihood of accidents, which can ignite both safety and liability concerns. In this blog post, we'll explore preventative steps and guidance to help you reduce risk and liability during the high-risk months ahead.
Understand Your Exposure
Slip-and-fall incidents rank among the most common — and preventable — injuries in commercial settings. These incidents typically stem from wet floors, poor lighting, and uneven or icy walkways. Although these hazards may seem minor, they can swiftly escalate into major liability claims or lawsuits.
Train Your Team
A proactive approach involves training your team to spot hazards and handle accidents efficiently. Emphasize the necessity of documentation and a swift response to support a liability defense. Good team training can make the difference and serve as a strong defense against unjust claims.
Know What Your Insurance Covers (and Doesn’t)
To address slip-and-fall risks, understanding your insurance coverage is pivotal. General liability insurance covers customer or visitor injuries, while workers’ compensation applies to employee injuries. Commercial property insurance covers property damage, and umbrella policies offer coverage beyond standard limits. Having clarity on these coverages prepares you for potential scenarios.
Document Everything
Consistently maintain logs, take photos, and store surveillance footage. This documentation serves as a valuable asset in defending against false claims or substantiating your diligence efforts. A well-documented process signals your commitment to safety and provides an authoritative account in any liability inquiry.
Create a Slip-and-Fall Prevention Plan
Building a slip-and-fall prevention plan involves actionable steps such as conducting daily walk-throughs, maintaining clear signage, and keeping up with repairs. Include seasonal tasks like prepping for snow and ice. Think of this not only as a safety measure but a strategic liability shield.
Don't Wait Until Something Happens
The time to act is now, not after an incident occurs. Start with a comprehensive review of your existing insurance protection. Slip-and-fall season isn’t just about icy sidewalks—it’s a call to action. Taking simple, proactive steps today can help prevent costly consequences tomorrow.
As a soft call to action, we encourage you to connect with your insurance advisor to review or bolster your current liability coverage. Ensuring your business is properly protected is the key to navigating slip-and-fall season with confidence.
