As a business owner, it is important to consider if your location is safe for visitors. If someone sets foot in your location and suffers harm, your business generally holds responsibility. People have an expectation that they will be safe when visiting your location.
One key risk to consider is falling objects. After all, even the simplest situations can cause significant damage and financial loss. Have you thought about and planned for falling object risks?
What Risks Are Present?
Walk through your building. Look into areas that are both customer-focused and employee-focused. Are there items high up on shelves or above eye level? These items could be stock, inventory or equipment. Moving parts on these items can be a risk.
Also look for stairs or other areas that create a situation where items can fall from higher levels. The key here is to spot areas of risk. Once you do this, you can begin to create a plan for minimizing them.
What Can Minimize These Risks?
Look at ways to reduce risks. Here are a few examples that may help reduce general liability insurance claims.
- Warn customers not to pull items down from high shelves. Tell them to ask for help with warning signs.
- Make heavy items stored on high shelves impossible to access. Keep them wrapped and out of access to avoid such complications. Place them behind locked gates as needed.
- Place guards and railings along stairs and other elevated platforms. Minimize the opportunity for someone to drop items from these high levels.
- Minimize the amount of items stored on upper shelves.
- Educate employees on how to remove stock and materials, as well as manage equipment, at high levels. This helps minimize the risk that items will fall onto third parties.
Falling objects can be very dangerous. They can cause serious injury to individuals. They can also lead to long-term pain and suffering. Your company's general liability insurance can help cover these claims.
However, it is best for companies to take necessary steps to reduce the risk of falling objects. No matter the type of business, it is important to create foolproof solutions when possible.
Work with your agent at Fulton Agency. Discuss what type of risk is present. Be sure your general liability insurance policy covers those potential losses. This could give you protection and peace of mind later in the event that something does happen.