When someone is injured on your business property, they may initiate a personal injury claim. If you are proven negligent, you could be held responsible for the damages caused. There are several things you can do to help protect your assets against such a personal injury claim.
Common Types of Personal Injuries
Accidents don’t usually happen according to plan, but some types are more apt to occur than others. Consider these common injuries that result from negligence and how you can work to avoid them:
- Slip and Fall
- Exposure to chemicals or fumes
- Injuries from improperly maintained equipment or unsafe structures
Ways To Limit Your Liability
Performing preventative maintenance and having a safety protocol in place can go a long way in avoiding accidents. The experts at https://www.sboneinsurance.com/ recommend taking these steps to guard against liability:
- Keep objects out of areas with foot traffic
- Place any broken equipment out of service until it can be repaired
- Use proper snow and ice removal techniques
Coverage To Protect Your Business
You should also maintain adequate premises liability coverage in the event that there is an accident or injury. This specialized liability insurance will cover your legal costs and settlement fees if someone files a personal injury claim for an accident that resulted from negligence. It will not cover you, your employees, or business property that may be damaged.
Being proactive and establishing safety plans is a great defense against injuries. If one does happen, premises liability coverage can help protect your assets.