The changing leaves and cooler temperatures signify more than just the arrival of fall—they mark the beginning of slip-and-fall season. For business owners, this seasonal shift brings increased risks of accidents that could lead to both safety concerns and significant liability issues. To help you navigate these high-risk months, we're sharing insights on how to mitigate these risks effectively.

Know What Your Insurance Covers (and Doesn’t)

Understanding your insurance coverage is crucial in managing slip-and-fall risks. Here’s a breakdown of the relevant types of insurance:

• General Liability Insurance: Covers customer or visitor injuries.
• Workers’ Compensation: Provides for employee injuries.
• Commercial Property Insurance: Covers property damage.
• Umbrella Policies: Offer additional coverage above standard limits.

Knowing these distinctions helps ensure you’re adequately protected against potential claims.

Create a Slip-and-Fall Prevention Plan

Having a robust prevention plan is essential. Actionable steps include conducting daily walk-throughs of your premises, clearly marking hazards and maintaining good lighting, and prioritizing necessary repairs. Season-specific tasks such as preparing for snow and ice should also be incorporated, acting as both a safety measure and a barrier against liability.

Understand Your Exposure

Slip-and-fall incidents are among the most common—and preventable—injuries in commercial settings. Wet floors, poor lighting, and uneven or icy walkways are typical culprits that can escalate into significant liability claims or lawsuits if not addressed promptly.

Train Your Team

Ensure your team is trained to identify potential hazards and respond quickly to incidents. Emphasize the importance of timely documentation and a structured response, as these elements are critical in supporting a liability defense.

Document Everything

Thorough documentation plays a vital role in defending against false claims or demonstrating due diligence. Keep meticulous records, take photos, and store surveillance footage to protect your business effectively.

Don't Wait Until Something Happens

Proactive planning can save you significant headaches down the line. Regularly review your insurance coverage and make necessary adjustments before accidents occur, reinforcing your readiness and protection during slip-and-fall season.

Slip-and-fall season is a timely reminder of the importance of proactive risk management. By taking the steps outlined above, you can protect your business and prove your commitment to safety. Connect with your insurance advisor to review or strengthen your current liability coverage today and safeguard against any potential mishaps tomorrow.