Cold Weather Hazards: Protecting Your Business from Slip-and-Fall Claims

As temperatures drop, the risks to your business rise — especially when it comes to slip-and-fall claims. Icy walkways, wet floors, and unpredictable winter conditions can lead to accidents that not only injure customers or employees but also expose your business to costly liability claims. 

We’re here to help you stay protected before the first snowflake hits the ground. 

Slips, Falls, and Lawsuits: What’s at Stake? If someone slips and falls on your property, your business could be held liable for medical expenses, lost wages, and even legal fees. These claims can easily run into thousands of dollars — and they tend to spike during the winter months. 

General liability and workers compensation insurance are your first lines of defense. General liability covers bodily injury claims from customers, vendors, and other visitors that happen on your premises, including those caused by ice or snow. Workers compensation protects your business from bodily injury claims of your employees while in the course of work.  Prevention Is Key Insurance is designed to protect you when things go wrong — but good risk management helps keep things from going wrong in the first place. Here are a few ways to minimize slip-and-fall risks: 

• Clear walkways promptly after snow or ice buildup. 

• Use salt or sand to improve traction on slippery surfaces. 

• Post signs warning of wet floors or icy conditions. 

• Inspect and clear indoor entryways, where melted snow can cause puddles. 

• Train your staff on proper cleaning and safety protocols. 

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These proactive steps not only reduce the chance of a claim but can also make you more attractive to insurers, potentially lowering your premium. 

Are You Covered for Winter? Let’s Find Out. Whether you own a retail shop, restaurant, office, or warehouse, cold weather brings unique challenges.  

Contact Mitchell Fink to review your coverage before the real winter weather sets in. Let’s make sure you’re protected from slips, falls, and surprises this season.