Slip and Falls Exposures
  • A customer spills a drink
  • There’s a small step at the entrance of the establishment
  • There’s a pot-hole in a poorly-light area of the parking lot

These things can lead to the following claim incidents….

  • An elderly man falls on his side, and needs a $10,000 hip-replacement surgery
  • A pregnant woman falls, and seeks $15,000 restitution for a complicated delivery
  • A child falls on his head, has brain development problems, and the family is seeking a $500,000 settlement
Benefits of Loss-Prevention

For retaurants / bars there’s a constant flow of patrons. Slips and falls are a considerable  exposure, and simple slip could turn into a big claim.

Keeping proper loss-prevention might not just keep you from incurring a claim, but also help you reduce your annual premium dollars.

 

9 Areas of Improvement

So what are some simple methods for reducing slip-and-fall hazards? Below is a list of best-practice tips…

  1. Railings – Have proper railings of the correct dimensions located at places such as stairs/steps and ramps.
  2. Changes in elevation – Mark changes in elevation…such as single steps, low profile stages, raised seating areas, and deck/patio transitions. Mark with high-visibility (ie – bright yellow) striping to highlight the change.
  3. Uneven surfaces – Make every effort to repair/replace any areas along walkways/sidewalks as well as patios/decks where the surface is not level.
  4. Parking areas – Keep parking areas clear of debris. Keep pot-holes repaired or gravel graded as necessary.
  5. Lighting – Keep areas where there are transitions in elevation well lit.
  6. Spills – Clean up spills as soon as possible. Have a portable sign on hand that can be placed at the spot of the spill if it cannot be cleaned immediately. Pay special attention to bathrooms and check them regularly for spills.
  7. Elevated platforms – Do not allow patrons to dance on elevated structures such as platforms, stages, tables or bars.
  8. Landlord/Tenant – If located inside of the building (ie-spills), the risk-item should be addressed by the tenant. Items located outside the building should be addressed by the landlord. Tenants of buildings should place the landlord on notice in writing for items located outside the building.
  9. Ice & Snow – Have procedures in place for the removal of ice & snow where applicable.

 

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