The general liability insurance policy you have for your company provides financial protection for many risks. Among them is the risk of customers or other people falling on your property. When this happens, you may be responsible for paying for the losses an individual suffers. To avoid this, it is best to have a comprehensive liability policy in place. However, its important to know how to prevent fall risks. Here’s some insight to get you started.
First, Understand Your Coverage
In nearly all situations, general liability insurance provides coverage for instances in which a person falls on your property, and you are responsible for their injury.
There are many restrictions on this, however. For example, it covers only those who do not work for you who suffer a fall that you might have otherwise been able to prevent. As a result of this, it becomes critical for you to know how to prevent these types of occurrences. They can help you avoid a lot of legal risks.
Preventing Risk Factors at Your Business
It is not possible to avoid all types of risks associated with falls. In many situations, falls are going to happen because accidents occur. However, these tips may prevent many of those risks from occurring.
Look at previous claims for general liability insurance. What caused slips or falls previously? Be sure to fix these concerns to eliminate the risk that someone will suffer an injury.
- Remove clutter. One of the most common causes of injuries like this is clutter. Be sure there is nothing impeding the movement of a person through the location. Signs, items on the floor, spills or even equipment in the way can cause a fall.
- Improve lighting. If the lighting in an area is low, this can create an increased risk of a fall on your property. Improve both interior and exterior lighting especially in high-risk areas.
- Avoid providing step stools or other types of equipment that encourage people to climb. Never leave stocking systems out. Avoid allowing any room along shelving in which people can step up onto it.
- Keep floors dry. Though this can be difficult, it is critical to do what you can to prevent wet floors. And, be sure to use a wet floor sign. Having the sign present limits your liability.
- Keep steps easy to use. Avoid placing anything on steps. Do not place carpeting on steps either. Be sure that there are handrails in place. Always fix broken steps.
Have more questions about general liability insurance? Contact Insurance Planning Service today to get your questions answered.
Also Read: Five Losses Covered by Commercial Umbrella Insurance