Prepare for Slip & Fall Season with Proactive Measures

As the seasons change, business owners must brace for slip and fall risks that come with wetter, colder weather. This time of year not only increases the likelihood of accidents but also heightens safety and liability concerns. Understanding these risks and taking preventative action is essential to protect your business.

Understand Your Exposure

Slip-and-fall incidents are among the most common — and preventable — injuries in commercial settings. Common causes include wet floors, poor lighting, and uneven or icy walkways, all of which can escalate into significant liability claims or lawsuits. Being aware of these risks is crucial for any proactive risk management strategy.

Know What Your Insurance Covers (and Doesn’t)

Different types of insurance can protect against slip-and-fall risks, but they vary in coverage. General liability insurance protects against visitor injuries, while workers’ compensation covers employees. Commercial property insurance can address property damage, and umbrella policies provide coverage beyond basic limits. Understanding your insurance scope helps in assessing and managing risk.

Create a Slip-and-Fall Prevention Plan

Developing a prevention plan tailored to your business is key. Conduct daily walk-throughs, maintain clear signage, and promptly address repairs. Seasonal tasks such as preparing for snow and ice aren’t just safety measures; they serve as liability shields, demonstrating due diligence in safeguarding your premises.

Train Your Team

Team training on spotting hazards and handling incidents can be invaluable. Encourage employees to document and respond swiftly to potential dangers. This not only supports a defense against liability but ensures a safer environment for everyone involved.

Document Everything

Keeping detailed records, such as logs, photos, and surveillance footage, aids in defending against false claims. Documentation serves as proof of due diligence, highlighting your commitment to safety standards and preventative measures.

Don't Wait Until Something Happens

Being proactive is crucial. Don’t wait for accidents to occur—regularly review your policies and coverage with an insurance advisor before incidents take place. These steps ensure comprehensive protection and peace of mind during high-risk months.

Remember, slip-and-fall season isn’t just about icy sidewalks; it’s a call to action. Implementing these straightforward, proactive steps today can help prevent costly mishaps tomorrow. Consider connecting with an insurance advisor to review and strengthen your current liability coverage.