Having an employee or a customer slip and fall at your business location is never a good thing. There’s always the potential for personal injury lawsuits or increased costs for your commercial insurance premiums down the road. Many business owners underestimate the need to have sufficient coverage for an accident that doesn’t happen very often.
Preventing Slip and Fall Accidents
- Make sure there is proper flooring that is well maintained. The flooring should be free from debris, dips, slopes, and cracks.
- Install handrails on staircases for easy access. All staircases should have handrails that support an adult human body firmly affixed to the building or the ground with proper bolts or other attachments.
- Keep floors clean and free of spills of any kind. Different spills include wax, oil, grease, cleaning substances, water, soda, salad dressings–anything liquid.
- Avoid using slippery substances or cleaning supplies near entrances, walkways, and exits.
- Have employees avoid wearing high heels or any other shoes with slick soles.
- Place non-slip mats at entrances to prevent slipping on wet floors. Rubber or carpet matting is a good choice if the mats do not slip, move, scrunch, or bunch.
- Clean up spills promptly to avoid unsanitary conditions. Train your employees to do the same.
- Make sure all pathways are well lit for visibility, whether inside or out. Make sure that all the light bulbs are in working order and consider adding more lights around the property. Even inexpensive solar lights placed in strategic places can help.
How Your Insurance Agency Can Help
Commercial Insurance policies vary. If an employee or customer suffers a slip and fall accident at your place of business, the insurance company’s liability would depend on the terms of your policy. Because coverage fluctuates based on your situation, it’s crucial to make sure you and your Denver insurance agency are on the same page regarding coverage.
The type of business you have will also dictate what types of optional commercial insurance coverage are available. The insurance agent might be able to shed light on a few that you haven’t thought of before. The insurance agency will work with law enforcement, medical personnel, and the person’s attorney to ensure all evidence comes to light to investigate where liability should fall.
Contact Your Trusted Insurance Agency
You must discuss these things with your insurance agency so they can get you the coverage your business needs. No matter what commercial insurance you choose, make sure that you do everything in your power to with the above steps. Showing that you made efforts to avoid these types of accidents can help you when insurance companies are reviewing your claims. Contact your trusted insurance agency for more information.