19 Nov 5 ways to ensure your business does not stumble trip and fall
It can all happen so quickly – a customer catches their foot on a chair leg, or slips when coming in from the rain – but your business is left dealing with the legal and financial fallout for months.
Whether you have a restaurant, a shop, an office or work from home – if a customer is on your premises, generally you’re responsible for their safety.
A trip here or a fall there could mean a claim is headed your way. Here are five steps to minimise the impact it can have on your business.
1. Make your site safe
But the unfortunate reality is that insurance claims relating to slips and trips are still very common, says Steadfast Broker Technical Manager Michael White.
“Every business has an exposure to them, even home businesses,” he says.
“But obviously some businesses have a greater exposure than others – shopping centres, hotels or anywhere else there’s a lot of people going through, and any business where there are food stuffs that might be spilled on the floor.”
2. Record your actions
Whether you take steps to eliminate a hazard, isolate it, or put engineering or administrative controls in place, record what you’ve done to prevent a slip or trip occurring. This should include keeping regular cleaning logs.
“The trouble with a lot of slip and trip insurance claims is that if somebody says ‘I fell over on a piece of banana skin that somebody dropped on the floor’, there is generally no record of the banana skin actually existing,” White says.
“Which means there is no record that the banana skin hadn’t been sitting on the floor for a week. So your records should be able to prove you have a strict regime in place to manage risks.”
“There are two issues – there’s the compensation and the legal costs of defence,” White says. “And there can be a very large amount of money involved in both.”