Grocery stores are being looked at in a whole new light since the spread of COVID-19. From hoarding meat and bread to worrying about spreading the virus any further, grocery stores are having to navigate a new environment for their customers. But while supermarkets are waiting to see how the Coronavirus will present a number of potential legal problems, they still have to protect themselves from everyday liabilities.
This is where a Grocery Store Program insurance comes into play, helping grocery stores keep away from costly claims related to premises liability.
Here’s how grocery stores can reduce premises liability risks and keep liability costs controlled.
Slip and Fall Accidents
Almost any business that owns property needs to protect itself against slip and fall accidents. These are generally pretty common accidents in which someone slips, trips, or otherwise falls, and files a personal injury claim for the injuries they sustain.
While concern over this type of accident is at the forefront for all businesses that serve customers onsite, grocery stores may be particularly susceptible to these kinds of claims. Stores frequently have large properties, serve a lot of customers, and have a number of items that could fall onto the floor and end up causing someone to fall.
Protection for slip and fall accidents is commonly included in general liability coverage, which most Grocery Store Program policies include as a standard piece of protection. When reviewing this part of a grocery store program, business owners should carefully consider the policy’s limits to make sure they have the right amount of protection against expensive lawsuits.
To limit these kinds of risks, grocery stores should be sure to keep all aisles cleared of anything that could cause slipping potential. This can include regular scans and sweeps of the store, including the storage areas. By keeping an eye on leaks and turned over items, grocery stores can cut down on potential risks.
Parking Lot Trouble
Parking lots can present a number of problems. When accidents occur in store parking lots, whether the store is financially liable for any kind of damage or injuries depends on the specifics of the incident. In some cases, a driver who causes an accident in a parking lot may be deemed fully responsible, and in other times, a store may be held accountable.
No matter who is found responsible for a parking lot accident, stores may face major legal fees. It’s become commonplace to file claims against any party that might be found responsible for an accident, and stores can be named in legal matters.
Parking lot accidents aren’t limited to vehicle-on-vehicle problems. They can also include slip and fall incidents, damage from shopping carts, burglaries, and more. Grocery stores can limit these risks by investing in security measures like security staff and video surveillance. But, employing staff to clear the parking lot hourly and making sure carts are brought back in can help to cut down on the potential for accidents to occur in the first place.
While not every accident can be prevented, grocery stores can take small yet effective steps to keep injuries and legal costs low.
About Irving Weber Associates‘ Grocery Program
At Irving Weber Associates, Inc., we understand what it takes to run a successful Grocery Store. Our grocer programincludes specialty coverages including Environmental and General Liability, Property, Site Pollution Liability, Boiler & Machinery, Business Auto, and many more. For a detailed look at how we can safeguard your business with a custom-tailored package, please contact our specialists today at (855) 764-7406.