What Coverage Stores Are Required to Secure for Common Safety Hazards

How many times have you been shopping at your local grocer and see someone slip on a wet floor and take a tumble? It happens with some frequency, and while most people are aided back to their feet and given a swift apology, what if they were to be badly hurt? Hundreds and thousands of people make daily visits to grocery stores and staff and owners must be cognizant of the fact that many dangers can exist on the aisles they stock with produce and other goods.

Grocery store insurance for liability concerns is a primary coverage for most businesses, along with workers compensation insurance, required to pay for injuries to employees resulting from accidents occurring at work.

Anyone that has been hit in the head by a can that topples from a high shelf knows the type of pain that such an event can produce. There are plenty of hazards that can cause an injury to an unsuspecting patron, which is why having the right coverage is vital, and educating employees on how to spot these hazards and correct them is a good way to promote grocery store safety.

Common causes of injury to shoppers

Slip and falls, which can occur as a result of wet floors, poorly lit aisles, and escalator malfunctions, are among the top reported causes of injuries. Head and body injuries from falling objects, retail displays, out-of-reach objects, or other mishaps are also quite common. Shopping cart injuries from accidental ramming, or as a result of falls due to a cart tipping over are less frequent, yet still, do occur.

Overcrowding injuries, especially during sales, may result in trampling, or other more serious injuries, and when entering or leaving the facility, parking lot mishaps due to a cracked or improperly designed parking lot, or failure to remove ice or snow can also result in accidents occurring.

Any time an individual becomes injured on commercial property they could file a personal injury claim under any state’s negligence laws. Under premises liability laws, owners of a store must exercise reasonable care to see that the premises are reasonably safe from any dangerous or hazardous conditions.

Clean up spills immediately, fix broken stairs or damaged railings that could pose a threat, replace light bulbs in order to provide adequate lighting, and maintain adequate security for customers. Failing to practice risk management puts everyone at risk and having Grocery store insurance provides financial relief when unfortunate incidents happen.

 

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Insurance Risk Advisors