Here in the beautiful state of Colorado (or really anywhere that experiences the joys of winter weather and freezing temps), we are all too familiar with snow and ice covering our porches, driveways, sidewalks, roads, parking lots, you name it. And, I’m sure we can all recall a time or two where those slippery paths have landed us on the ground with a few colorful bruises to show for it.
That snow and ice, whether it be on your personal or your business property, is a LIABILITY RISK.
With thousands of people injured every year, Slip and Fall Accidents are one of the most common liability risks. That being the case, it’s important to always be on the lookout for slip and fall hazards in and around your home or business and eliminate them as soon as possible. From a business standpoint, it’s also extremely important to train your employees on what to do if someone on your premises should suffer a fall.
The Insurance Information Institute suggests routinely checking that the following things are taken care of:
- Lighting: All areas should be adequately lit, including hallways and stairs.
- Stairs: Handrails, steps and landings should be in good condition, clear of snow/ice.
- Walkways: Walkways should be kept in good condition, clear of snow/ice.
- Doormats: Doormats should be flat, slip resistant, cleaned and checked regularly in bad weather.
- Ice and Snow: Have an effective procedure in place to assure that snow and ice are removed.
- Exits: Exits should be well marked, well lit and clear of obstacles.
- Parking Lot: Potholes, cracks, or uneven areas should be repaired.
- Floors: Any changes in floor level should be clearly marked.
- Housekeeping: General housekeeping should be maintained and storage areas kept neat.
- Carpeting: Carpeting should be tight and smooth.
- Spills: Have an effective procedure in place to assure that all spills are immediately cleaned up.
If there are treacherous areas on your property, such as an icy spot that hasn’t been cleared, an uneven area of the sidewalk, a ripped carpet, etc. – they also suggest that you consider marking them by using warning signs or putting up barriers around them. If you can provide evidence that you took your responsibility seriously and made reasonable efforts to prevent harm to others, you are much less likely to be found liable.
From us at ALINK Insurance Services to you, stay safe out there this winter and watch out for all that ice! Give us a call today at any of our offices listed below to discuss any of your insurance questions or needs.
Denver Metro/Parker: 303-752-6479
Colorado Springs: 719-473-6262
Surrounding States: 877-643-6148
We’re your link to security!