When a retail store opens its doors, the risk of visitor injury is always present. That reality makes premises liability insurance a vital part of general liability and business operations policies. While this coverage is indispensable, wise retailers act to lessen the likelihood of injuries and litigation.
Reducing the Risk of Premises Liability Claims
In a retail setting, a customer safety program includes these steps:
- Monitor the premises with frequent walk-throughs.
- Address hazards as quickly as possible.
- Post warning signs or barricades during mitigation efforts.
Slip and fall accidents are a leading cause of claims, so dealing with slippery floors or tripping hazards is imperative. Merchandise placement, such as heavy items on high shelves, deserves constant attention. An often overlooked menace is a promotional display that can snag a customer’s clothing.
Prevailing in Premises Liability Claims
Accidental injuries can occur even with rigorous safety efforts. Because negligence is the reason courts rule against retailers, a program to record reasonable care safety efforts is essential. Documentation should include:
- A printed manual spelling out employees’ responsibilities for customer safety
- Records of spill cleanups, snow removal and ice mitigation actions
- Frequent time-stamped videos documenting safe merchandise display
Proactive visitor safety efforts, careful documentation and insurance coverage are crucial elements of premises liability management. An insurance agency with proven risk-reduction expertise can be a valuable ally for retailers large and small.