Slip & Fall Season: Be Prepared and Protected

Brenda Bingham | Nov 03 2025 15:00

Slip & Fall Season: A Call to Action for Business Owners

As the seasons change, so does the landscape around your business, often increasing the chances of slip and fall incidents. With wet leaves, icy pathways, and shorter daylight hours, the safety and liability concerns for businesses ramp up significantly. This blog post provides you with preventative measures to reduce risks during these high-stakes months.

Document Everything

Documentation is your first line of defense against false claims. Maintain logs of daily safety checks, take photos of recently addressed hazards, and ensure your surveillance footage is stored correctly. This documentation can serve as evidence of your due diligence, proving that you actively work to maintain a safe environment.

Understand Your Exposure

Among the most common — yet preventable — injuries in commercial settings are slip and fall incidents. Typical causes include wet floors, poor lighting, or uneven and icy walkways. These minor hazards can easily escalate into significant liability claims, dwindling your resources if not appropriately managed.

Create a Slip-and-Fall Prevention Plan

Stay ahead of potential incidents by implementing a slip-and-fall prevention plan. Conduct daily walk-throughs, ensure clear signage, and promptly address any needed repairs. Seasonal tasks like salting icy pathways can not only prevent accidents but also serve as a powerful liability shield, demonstrating to customers, guests, and employees your commitment to safety.

Train Your Team

Your team is an essential part of hazard prevention. Train them to spot risks and handle incidents appropriately. Emphasize the importance of quick response and thorough documentation to uphold your liability defense, proving your company's preparedness and competence.

Don't Wait Until Something Happens

Proactive planning and a comprehensive review of your liabilities are imperative before any incident occurs. Assess your insurance coverage and address any gaps. Ensure you're protected against potential claims and don’t wait until you're faced with a costly lawsuit to realize shortcomings in coverage.

Know What Your Insurance Covers (and Doesn’t)

Insurance is a critical aspect of managing slip-and-fall risks. Familiarize yourself with the different types of insurance: General liability for customer injuries, workers’ compensation for employee accidents, and commercial property insurance for property damage. Consider an umbrella policy for additional coverage beyond basic limits. Each type plays a crucial role in safeguarding your business from financial loss.

Remember, the slip-and-fall season calls for deliberate action. Implementing these preventative steps today can shield your business from costly consequences tomorrow. Reach out to your insurance advisor to review or strengthen your liability coverage. By taking these precautionary steps now, your business will be ready to face the challenges of the season confidently.