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We’ve all likely seen YouTube® or comedy videos of someone slipping and falling in a random store. While many of us laugh, we might forget to think about what happens after the camera stops rolling. Scenes like these actually represent a real threat to every business. image of slip and fall risk

If falls happen, harmed customers or vendors could sue the property owner or company. This could spell financial losses, even in cases where the incident was an accident. However, with general liability insurance, you might be able to avoid negative ramifications from these incidents.

Why Fall Risks Occur

You can’t always blame someone falling simply on their being clumsy. Usually, something has to trigger the fall in the first place. If one occurs in your business, it might originate from sources like

  • Wet floors, leaks and other spills
  • Uneven or damaged flooring or steps
  • Insecure or damaged furniture
  • Falling objects
  • Obstructions in walkways

And more.

Should these items go unattended, they could threaten anyone. Potential victims might range from customers and clients, to vendors, employees and yourself.

The Impact of Slips and Falls

Every business owner likely knows they take responsibility for occurrences in their space. As a result, should a slip and fall injuries occur, the affected party might place the blame on the business. They might decide to take action against the company to cover their own losses. It’s easy to understand why.

Slip and fall damages might result in painful and incapacitating injuries. Injured parties might experience significant medical costs. They might simultaneously losing out on their chance to earn income, if they can no longer work. As a result, they might feel that it is the duty of the business to compensate them for their losses.

Covering Slip and Fall Damage

Should your business face a slip and fall claim, you want to help injured parties. However, you don’t want to drain your bank account trying to do so. That’s where general liability insurance can come in handy. These policies cover businesses in case they owe money to others for injuries sustained in their space. Generally, policies cover compensation and legal fees resulting from slip and fall lawsuits.

Take the time to invest in a well-funded business insurance general liability policy. It might prove instrumental in protecting both your business and injured parties. The value offered by these policies can vary, but most contain limits of at least $1 million. Talk to your insurance agent at 800-511-2892 about how to tailor this value more expressly to your needs.

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