As a responsible proprietor, you will want to protect your store's customers. However, you cannot prevent every accident. If someone were to fall and get hurt on the premises, the responsibility might fall to you. What's the appropriate response in case of a customer injury?
Many businesses can get insurance assistance following customer problems. That's what general liability insurance is for. Make it a priority to organize an appropriate response to any accidents. That way, you'll create a better chance of filing a successful claim.
Understand That You Have Standards Of Service
Various regulations require business owners to create safe environments for their customers. For example, a restaurant owner must meet sanitation ratings to serve diners. Retail stores might have to meet certain occupancy limits and security standards.
Still, risks of injury or other harm exist even in the safest places. Thus, you must have a plan in place in case a customer gets hurt on the premises. Consider some of the following steps:
- Remain calm and remember that the customer's needs come first. Immediately make sure they get any first aid help they need. Contact emergency medical services as necessary.
- Even if a customer says they are okay, gather their contact information. Also ask them for their version of events about what caused the accident. This will help you in case of any surprise actions or lawsuits later.
- Look for the source of the hazard. In some cases, you might need to photograph the scene for insurance purposes.
- Take immediate steps to remedy the problem. For example, if someone slipped in a puddle, find the source of the spill. Immediately clean up the mess or isolate the area. Place warning signs nearby.
- Consult your general liability insurance policy. This coverage can help compensate the injured party for their losses. It might provide you with specific steps on how to document the incident and start a claim.
- Provide the injured party with your contact information and insurance information. Make yourself available in case the person with the injury has any questions.
Regardless whether a liability claim results from the accident or not, do your best not to let it happen again. If you can put in place new precautions to prevent accidents, do so expediently. Even consider hiring a risk management expert to help you create a safer store. At the end of the day, you don't have to let an unfortunate accident get you down. Just do what you can to prevent one from reoccurring.