Running a business isn’t a cakewalk, especially if you’re the owner. You’ve got to deal with different situations and problems, including insurance liabilities. In particular, personal injury claims can hurt your business, both financially and socially. As a business owner, it is important to know how to handle falls that may occur within your business premises. In this blog, we’ll give you some tips on what to do if someone falls in your establishment and what insurance you should have to cover you and your business.
First of all, if someone falls in your business, your top priority is their safety. If the person is seriously injured, call for emergency assistance immediately. If there are no major injuries, check on the person’s condition and ask if they require medical attention. Always document the incident, including the time and location of the fall, description of the incident, and the contact information of any witnesses. Take pictures of the area where the incident occurred and any visible injuries the person sustained. These documents will be useful in case of a personal injury claim.
As a business owner, liability insurance is crucial. General Liability insurance is one of the most important and useful policies to have. It can cover the medical expenses of injured clients, property damage, and more. It can offer help to cover injury costs, such as the medical fees for treating the injury sustained from the fall, and also the rehabilitation fees that may be required after recovery. Additionally, some policies may cover legal costs during cases filed against you or your business due to the fall incident.
Workers’ compensation insurance is also essential, especially if someone falls while performing a duty within the business. Having this insurance protects both the employee and the employer in the event of a fall or other injuries. It ensures financial support for the employees’ medical treatment and wage replacement if they are unable to work. It also prevents the employee from filing a lawsuit against the employer, protecting the business’s reputation.
It is highly advisable to get advice from professionals regarding the unique needs of your business. An experienced BWO business insurance representative can help you identify risks specific to your business and recommend the best insurance coverage accordingly. Moreover, they can guide you on how the coverage can help you and your business to avoid unnecessary causes of worry. Contact Us HERE.
As a business owner, it is your responsibility to take care of your client’s, customer’s and employee’s welfare while they are within your establishment. It is also necessary to have the right insurance policies to protect your business from any mishaps that may happen. Always know the right procedures to follow during a fall incident inside your place of business. Remember to gather evidence, be quick to call for emergency assistance if needed, document everything and contact your insurance agent reporting the claim as soon as possible. By taking these steps, you will be prepared for any eventuality, and you will give your business the much-needed protection it deserves.
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