Seasons Change, Risks Increase

As the temperature drops and the weather shifts, businesses must prepare for the inevitable increase in slip-and-fall incidents. These accidents aren't just seasonal annoyances; they pose significant safety and liability concerns. Business owners need to be vigilant in mitigating risks during these high-risk months.

Create a Slip-and-Fall Prevention Plan

Developing a proactive prevention strategy can significantly reduce the potential for accidents. Actionable steps such as conducting daily walk-throughs, maintaining clear signage, and staying on top of repairs are crucial. Seasonal tasks like prepping for snow and ice should also be prioritized as these measures can act as liability shields.

Understand Your Exposure

Slip-and-fall incidents are one of the most common—and preventable—injuries in commercial settings. Typical causes include wet floors, poor lighting, and uneven or icy walkways. While these may seem minor, they can quickly escalate into major liability claims or lawsuits if not addressed promptly.

Train Your Team

Ensure your team is well-trained in spotting hazards and handling accidents. Quick response and thorough documentation are vital in supporting a liability defense. This training should emphasize the importance of responding efficiently and effectively to incidents.

Document Everything

Maintaining detailed logs, taking photographs of incidents, and storing surveillance footage can be invaluable. Documentation not only defends against false claims but also demonstrates due diligence, which is crucial if a claim does arise.

Know What Your Insurance Covers (and Doesn’t)

Understanding the types of insurance that pertain to slip-and-fall risks is essential. General liability insurance covers customer or visitor injuries, while workers’ compensation is for employee injuries. Commercial property insurance protects against property damage, and umbrella policies offer additional coverage beyond basic limits. Knowing what each type applies to can prevent unforeseen losses.

Don't Wait Until Something Happens

Proactive planning and a comprehensive review of your coverage is crucial before accidents occur. Slip-and-fall season isn’t only about icy sidewalks—it’s a call to action to ensure your business is protected. Taking simple, proactive steps today can prevent costly consequences tomorrow.

Ensure your business navigates the slip-and-fall season without incident. Connect with your insurance advisor to review or strengthen your current liability coverage, and ensure you’re well-prepared for whatever the season throws your way.