Slip & Fall Season Is Here: Steps to Protect Your Business

The Risks of Slip & Fall Season

As the crisp air settles and the leaves begin to fall, business owners are reminded of the onset of slip-and-fall season. This period brings higher risks of slip-and-fall incidents due to changing weather conditions, which can increase both safety hazards and liability concerns.

Create a Slip-and-Fall Prevention Plan

Preventing slip-and-fall accidents is not only about safety but also serves as a liability shield. Consider scheduling daily walk-throughs to identify potential hazards like wet floors and uneven walkways. Keep on top of repairs and ensure clear signage to alert customers and employees of any slippery conditions. Seasonal tasks, such as prepping for snow and ice, are critical during the winter months.

Understand Your Exposure

It's important to recognize that slip-and-fall incidents are among the most common, yet preventable, injuries in commercial settings. Common causes include poor lighting, icy or uneven walkways, and wet floors. These seemingly minor hazards can escalate into major liability claims or lawsuits, emphasizing the need for proactive management.

Know What Your Insurance Covers (and Doesn’t)

Understanding your insurance is crucial. General liability insurance can cover injuries to customers or visitors, while workers’ compensation applies to employee injuries. Commercial property insurance will cover property damage, and umbrella policies extend coverage above basic limits. Knowing what each policy entails can better prepare you for potential incidents.

Train Your Team

Equip your team with training on identifying hazards and handling accidents swiftly. Documenting incidents comprehensively is essential in supporting liability defenses and demonstrating due diligence. Maintaining clear communication with your team about safety protocols can significantly reduce the risk of accidents.

Document Everything

Maintain logs, capture photos, and save surveillance footage as part of your slip-and-fall risk management. These records can be invaluable, defending against false claims or helping to prove that due diligence was maintained.

Don't Wait Until Something Happens

Proactive planning and regular coverage reviews should be a priority before any incidents occur. Ensure that your insurance protection is comprehensive to cover potential claims. Keeping detailed records and preparing your business ahead of time can help mitigate costly consequences. Slip-and-fall season extends beyond icy sidewalks—it signals a call to action. Taking simple, proactive steps now can prevent costly consequences later. Consider reaching out to your insurance advisor to review and potentially strengthen your current liability coverage.