Tips to Protect Your Business From a Slip-and-Fall


autumn moments

It’s been a hot New York City summer, but over the last few days, we’ve seen glimpses of fall around town. The humidity is lowering, apples are coming into season and September is just around the corner.

As such, we thought this would be an excellent time to talk about falling, a common injury-inducing incident and a reason for the victim to sue your business. A slip and fall accident can be very costly to your business in terms of both money and time. However, there are some things that a business owner can put in place to protect their company from any losses as a result of a slip and fall.

Here are some things that you can do to protect yourself and your business from losses due to a slip and fall:

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Maintain Your Property and Schedule Routine Checks: 

Though maintaining your property may seem like an obvious part of keeping your business running, many small business owners let this fall through the cracks. This is especially true if a business does not normally have clients or outside visitors to their property on a regular basis.

Maintaining your property includes repairing cracks in the sidewalks, making sure no tiles are loose, flatting bunched carpets, salting your sidewalks after a snow or ice storm occurs, and any other hazards. Scheduling routine maintenance checks can help to avoid a potentially dangerous situation.

In most states, it is a requirement for business owners to maintain their property, make repairs and warn visitors about hazards on their property. You should keep records of maintenance as proof of your diligence should it ever come into question.

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Be Aware of Office Happenings

Unpredictable things can happen inside of your office, so it’s important to limit any potential disaster inside your walls.

For instance, if you’ve had a large delivery, it’s important to make sure you clear any hallways and walkways of debris. We also recommend keeping a close eye on the kitchen space, should you have one, as food and drink spills are common and can cause a visitor to slip and fall. The presence of alcohol can increase the risk of an unpleasant accident or injury, so it’s best to limit the amount served on your property.

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Get the Right Insurance

We know, this is an obvious one coming from an insurance company, but it can save your business and reputation should an accident occur on your premises.

No matter how diligent you are in maintaining your property and doing all necessary repairs, a slip and fall accident can still happen. That’s where insurance can help to save you time and money.

General Liability can protect a business from a slip and fall incident in two ways:

  • In the event of a slip and fall claim against your business, the insurance company will provide your business with a defense lawyer
  • A fund that an insurance company can use to settle a case and pay out any damages awarded to the other side

Make sure you have enough coverage to cover any potential damages or claims taken out against you.

Interested in learning more about protecting yourself in the event of a slip and fall on your property? You can always reach out to us, one of our Insurance Experts would be happy to run through your current policy and address any concerns you may have.

In the meantime, break out the apple cider and enjoy the cooler weather.

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