Slip & Fall Season: Steps to Reduce Risks and Liabilities

DATE


Oct 14 2025 15:00

AUTHOR


Gideon Paulsen-Sacks

Prepare for Slip & Fall Season

As the leaves begin to fall and temperatures drop, business owners are reminded of a seasonal challenge: the increased risk of slip and fall accidents. The changing weather not only makes surfaces more hazardous but also raises significant safety and liability concerns. This blog will provide essential strategies to protect both your patrons and your business during these high-risk months.

Know What Your Insurance Covers (and Doesn’t)

Evaluating your insurance coverage is crucial. General liability insurance covers injuries to customers on your premises, while workers’ compensation applies to employee injuries. Protecting your property might fall under commercial property insurance , and for coverage beyond basic limits, consider umbrella policies. Being informed about what each insurance type covers can save you from unexpected liability.

Create a Slip-and-Fall Prevention Plan

Developing a robust prevention plan involves conducting regular inspections, maintaining clear signs, and promptly fixing hazards. Seasonal tasks like preparing for ice and snow are imperative. This plan not only enhances safety but serves as a liability defense mechanism.

Understand Your Exposure

Slip-and-fall incidents are among the most common and preventable injuries in commercial settings. Whether it’s wet floors, poor lighting, or icy walkways, these small hazards can quickly escalate into major claims. Awareness and diligent action are key in reducing such risks.

Train Your Team

Equipping your team to identify and respond to hazards is essential. Ensure they are trained to document incidents promptly. This preparedness not only fosters a safer environment but strengthens your defense against liability claims.

Document Everything

Keeping detailed records is vital. Logs, photos, and surveillance footage provide evidence of due diligence and can defend against false claims. Regular documentation also allows you to demonstrate proactive measures taken to prevent incidents.

Don't Wait Until Something Happens

Being proactive by reviewing your coverage and strategies before an incident occurs can prevent severe consequences. Effective planning and insurance protection are your best defenses against costly claims. Slip-and-fall season isn’t solely about icy sidewalks; it’s a call to action. Implementing these simple steps today can help prevent significant costs and consequences tomorrow. Connect with your insurance advisor to review or enhance your liability coverage to ensure comprehensive protection.