Create a Slip-and-Fall Prevention Plan

Slip-and-fall season is upon us, bringing with it the unpredictable weather that increases the likelihood of these incidents. As a business owner, understanding your exposure to these risks is crucial. Implementing a slip-and-fall prevention plan is an effective way to reduce the likelihood of accidents. This plan should include daily walk-throughs, maintaining clear signage, and keeping up with repairs. Additionally, seasonal tasks such as prepping for snow and ice are essential not only for safety but also for shielding against liability.

Understand Your Exposure

Slip-and-fall incidents are one of the most common — yet preventable — types of injuries in commercial settings. Typical causes include wet floors, poor lighting, and uneven or icy walkways. These seemingly minor hazards can quickly escalate into significant liability claims or lawsuits.

Know What Your Insurance Covers (and Doesn’t)

Before the icy conditions arrive, it's important to know what your insurance covers. General liability insurance may cover injuries to customers or visitors, while workers’ compensation is relevant for employee injuries. Commercial property insurance can help with property damage, and umbrella policies provide coverage above basic limits. A thorough understanding of these types helps you prepare for potential claims.

Train Your Team

Empower your team by training them to spot hazards and handle accidents appropriately. Stress the importance of documentation and quick response in supporting a liability defense. This proactive approach not only helps prevent accidents but also minimizes the fallout if an incident does occur.

Document Everything

Maintaining detailed documentation can be a powerful tool in defending against false claims or proving due diligence. Keep logs, take photos, and store surveillance footage. These records could one day prove invaluable, demonstrating that you've taken all necessary precautions.

Don't Wait Until Something Happens

Proactive planning is key to minimizing risks. Rather than waiting for an accident, review and strengthen your liability coverage now. Connect with your insurance advisor to ensure your business is protected. Slip-and-fall season is a call to action — taking simple, preventative steps today can keep catastrophe at bay tomorrow.