Prepare Your Business for Slip & Fall Season

As the seasons change, business owners face the increased risk of slips and falls. With the changing weather, both safety and liability concerns are heightened. This blog will guide you through preventative steps to help reduce risk during these high-risk months.

Understand Your Exposure

Slip-and-fall incidents are among the most common — and preventable — injuries in commercial settings. Typical causes include wet floors, poor lighting, and uneven or icy walkways. These minor hazards can escalate into major liability claims or lawsuits if not addressed promptly.

Know What Your Insurance Covers (and Doesn’t)

Understanding your insurance coverage is crucial. General liability insurance can cover customer or visitor injuries, while workers’ compensation is for employee injuries. Commercial property insurance protects against property damage, and umbrella policies cover amounts above the basic limits. Each type serves specific needs, so knowing what applies can save costs.

Create a Slip-and-Fall Prevention Plan

Implement actionable steps like daily walk-throughs and clear signage, and stay on top of repairs. Specific seasonal tasks such as prepping for snow and ice are essential. This isn't just a safety measure—it's a liability shield.

Train Your Team

Training your team to spot hazards and manage accidents is critical. Emphasize the importance of documentation and quick response to support a liability defense effectively.

Document Everything

Keep detailed logs, take photos, and store surveillance footage. This documentation can defend against false claims and demonstrate due diligence, which is vital in defending liability claims.

Don't Wait Until Something Happens

Proactive planning and insurance coverage review should happen before accidents occur. Ensuring comprehensive protection is in place is crucial.

Slip-and-fall season isn’t just about icy sidewalks—it’s a call to action. Taking proactive steps now can help prevent costly consequences in the future. Connect with your insurance advisor to review or strengthen your liability coverage today.