How General Liability Insurance Protects Against Slip-and-Fall Accidents

Slips, trips and falls are among the most common incidents in the workplace and may frequently lead to workers’ compensation insurance claims. But what if a slip-and-fall accident affects someone who doesn’t work at your business? If a guest, customer, vendor or other outside party is on your premises and suffers an injury from one of these incidents, you’ll need a different type of insurance. That’s one of the key reasons why general liability insurance is a staple of most companies’ business insurance portfolios.

How Can General Liability Insurance Respond to Slips and Falls?

Also known as commercial general liability insurance, these policies can cast a versatile and robust financial safety net across many common incidents that may affect other parties. If your business is at fault for others’ bodily injuries, property damage or personal and advertising injuries, your policy can assist with resulting financial losses and legal expenses. In the case of slip-and-fall accidents, this means that if someone is injured due to their fall or their property is damaged, you might avoid significant out-of-pocket costs.

Real-life Examples

Regardless of how committed your workplace may be to cleanliness and safety, slip-and-fall incidents are difficult to prevent entirely. Consider how the following everyday situations could lead to expensive losses if not for general liability coverage:

• If a customer is using the restroom at your business and slips on a wet floor, they could be seriously injured, necessitating a claim against your general liability insurance.

• A passerby who doesn’t even intend to visit your business could be using the sidewalk that hasn’t been cleared of ice or snow. In such situations, their injuries could have significant financial repercussions if you lack suitable insurance.

• Imagine you enlist the assistance of an IT contractor to help with your business’s cybersecurity. While walking around the office, they slip on a spill that hasn’t been cleaned up and drop their laptop. In this situation, your coverage could assist in paying to repair or replace the device.

We’re Here to Help

Contact Paramount Insurance & Multiservice LLC today to learn more or get a free general liability insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.