A slip and fall accident may be amusing in slapstick comedy, but in reality it's no joke. Slips and falls account for a significant number of injuries to customers and employees every year.
The causes of slip and fall accidents are varied, ranging from wet or greasy floors, clutter and debris, to uneven surfaces, improper cleaning, lack of hazard identification and – in a small number of cases – fraud. And yet, slips and falls are the most preventable accidents to occur in the workplace.
The financial impact of a slip and fall accident can range from minor inconvenience to massive liability, depending on the circumstances. Employers also suffer a loss of productivity when employees are injured and off the clock.
Make sure you have adequate business liability insurance coverage for slip and fall accidents to cover customer and non-employee claims, as well as workers compensation coverage to protect employees. In addition, a business umbrella policy adds an extra measure of protection if the liability exposure exceeds the limits of the base policy.
Effective slip and fall accident prevention methods go beyond just clearing away clutter or placing a "Wet Floor" sign at a slippery entrance. Establish a program that addresses prevention, as well as employee response if someone does get injured.
To reduce the incidence of slip and fall accidents at your business, as well as protect yourself in the event of a claim:
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from any underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.
Information provided by Nationwide Mutual Insurance Company.