How To Reduce Slip And Fall Accidents At Your Business

Business Safety

Slip and fall accidents are some of the most common accidents you can have as a business owner. Slips, trips, and falls constitute the majority of general industry accidents. They cause 15% of all accidental deaths, and are second only to motor vehicles as a cause of fatalities. You have customers, clients, vendors, employees, and family members on your premises every day.  “Slip and fall” is a term used for a personal injury case in which a person slips or trips and is injured on someone else’s property. These cases usually fall under the broader category of cases known as “premises liability” claims.  Slip and fall accidents usually occur on property owned or maintained by someone else, and the property owner may be held legally responsible.

In order to recover damages for a slip and fall injury sustained on another’s property, there must be a responsible party whose negligence caused the injury. However, most business insurance policies have premises liability coverage which allows for claim payment without the need to prove liability.

Slip And Fall Prevention At Your Business

Maintain all walkways and common areas.

Use anti-skid adhesive tape in high traffic areas.

Display wet floor signs when appropriate.

Keep all work areas, passageways, storerooms, and service areas clean and orderly.

Have proper lighting in parking lots and entrances.

Keep walk ways free of ice, snow, or other items that might cause someone to slip.

Have a procedure to deal with spills and ensure spills are reported and cleaned up immediately.

Commercial Insurance Update

Are Your Commercial Insurance Costs Too High?

Most commercial insurance experts are predicting lower rates for most businesses across the United States. Commercial insurance buyers should anticipate lower rates and wider choice in coverage terms at upcoming renewals as insurance pricing softness accelerates in most lines.

Commercial or business insurance rate reductions are due to a softening in the market, reduced catastrophic losses, and continued competition among the leading insurers.

Rate vs. Premium

Rate is the cost of insurance per exposure unit, such as revenue or payroll. The premium is based on a formula of rate times exposure. Your rate could go down, but if your revenues are up it could affect a flat premium.

Now is the time to contact us to help you review your risk, design your program and market your commercial business with our top rated market. Your commercial program should include:

Commercial liability

Commercial auto

Property

Workers’ compensation

Cyber liability

Directors & officers & professional liability

Employment liability

Bonds and dishonesty

Umbrella or excess

Commercial Liability Insurance

We Help You Understand the Risk vs. Reward

We understand that your business is unique.  You serve people first, and foremost.  Just because you are a small business does not mean you are exempt from litigation.  Commercial Liability Insurance from Jewell Insurance offers protection to your businesses.  It covers claims from property damage and/or bodily injury to a third party caused by your business operations, or from your premises.  This general liability coverage may also provide for the legal defense of the insured.

General Liability Insurance should be the foundation of your insurance program.  General Liability Insurance provides the following coverage:

Bodily Injury – Bodily Injury to a third party.

Property Damage – Damage to a third party’s property (equipment building etc.).

Personal Injury – Injury to the mind or emotions, as opposed to an injury to property.

Advertising Liability – Damages arising out of advertising, libel, slander, or invasion of privacy.

Products and Completed Operations – Liability arising out of products or business operations and services conducted, excluding professional services.

Premises – Covers liability arising out of injury to third parties while on your premises.

Medical Payments – A general liability coverage that reimburses others, without regard to the insured’s liability, for bodily injury while on your premises.

General Liability Insurance is designed to cover defense costs as well as judgments.  It is an important part of your recommended insurance program.